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Full Details for Fixed and Multi-Year Guaranteed Annuities

Last updated 04/17/2023 www.Adams-Moore.com For agent use only.Not all annuities approved in all states. Not responsible for errors.

Company Rate Lock Product Commission MVA Liquidity Waivers

2/7/2012 SPDA None Yes 0-85 $25,000

8/1/2013 None SPDA Guarantee 5 None 2.60% Yes 0-80

8/1/2013 None SPDA Guarantee 7 None 3.00% Yes 0-80

American General 8/12/2013 SPDA 4.00% 2.72% 1.00% Yes 0-85 $5,000

American General 8/12/2013 SPDA 3.00% 2.60% 1.00% Yes 0-85 $5,000

American General 8/12/2013 SPDA None N/A 1.00% Yes 0-85 $5,000

American General 8/12/2013 SPDA None N/A 1.00% No 0-85 $5,000

American General 8/12/2013 FPDA 2.40% 1.00% No 0-85

American General 8/12/2013 SPDA 2.05% years 1-6 None 1.95% 1.00% Yes 0-85

Effective Date

SPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit

AnnuitizationOptions

CommissionChargeback Rules

AllianzLife

45 days from date app is received in

home office

Dominator Plus5 & 7 year terms

5 Year Term:3.00% 0-752.00% 76-801.00% 81-85

10 Year Term:4.00% 0-753.00% 76-802.00% 81-85

5-year term:1.50% $100,000-1.50% $100,000+

10-year term:1.90% $100,000-2.00% $100,000+

5-year term:$100,000-

1.50%$100,000+

1.50%

10-year term:$100,000-

1.90%

$100,000+2.00%

90% of premium @ 3%

Guar rate will never fall below 1.5%

while contract is in deferral

10% beginning in the first year of total premiums

paid.

5 or 10 years9, 8.1, 7.2, 6.3,5.4, 4.5, 3.6,

2.7, 1.8, 0.9

*On 5-year term:30-day window after 5th year to withdraw funds

without penalty or MVA.

RMDs can be taken free of charge if taken annually in December, or monthly throughout the year.

Full accumulation value is available immediately as

a lump sum or via a payout over 5 yrs

Loan Provision(Up to 50% of contract's cash surrender value ($50,000 max).

Nursing Home (owner)(Can take accelerated distribution of the contracts accumulation value through payments over a period as short as 5 years.)

Income Plus BenefitAge 60 - 91Up to 10 years, DB is increased by greater of AV or Treasury Benchmark Rate

Full account value available for Annuitization after one year if taken over 10+ years.

Optional rider allows you to take the full account value over less than 10 years.

RMD qualify as free withdraws, if taken annually lump in Dec.or monthly through year.

Call us for details.

100% chargeback on surrenders in first 6 months, 50% in second six policy months

AmericanEquity

3.00% to 752.00% 76-80

2.60% for 5 years

2.10% in CA,DE,MN,PA,WA

2% after 5th year

$10,000

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80

maximum

Interest withdrawals or RMD allowed in the first

year if taken systematically.

After first year, there is a 30-day window at the end of the year to remove the

prior year's interest without penalty.

5 years9,8,7,6,5

No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or

surrendered.

Full account value at death of owner or

annuitant

Nursing Home Rider

Available for annuitants thru age 74. Allows penalty-free w/d of 20% of contract value after 90-day confinement. Confinement must start after first contract anniversary.

Contract Valueoption A: life payout 5-25 yrs.

Option B: period certain (must be double remaining on it surrender charge period).

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

AmericanEquity

2.50% to 751.50% 76-80

3.00% for 7 years

2.50% in CA,DE,MN,PA, WA

2% after 7th year

$10,000

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80

maximum

Interest withdrawals allowed in the first year if

taken systematically.

After first year, there is a 30-day window at the end of the year to remove the

prior year's interest without penalty.

7 years9,8,7,6,5,4,3

No surrender charges 30-day PRIOR to the end of the guarantee period for funds to be moved or

surrendered.


annuitant

Nursing Home Rider

Available for annuitants thru age 74. Allows penalty-free w/d of 20% of contract value after 90-day confinement. Confinement must start after first contract anniversary.

Contract Valueoption A: life payout 5-25 yrs.

Option B: period certain (must be double remaining on it surrender charge period).

Death or Suicide is charged back 100% in the first month and reduced by 1/12 each month thereafter.

90 days from application signed

date

Horizon Plus SPDA

(Form #04362)

2.75% to 751.70% 76-801.20% 81-85

6.05% first year2.05% base rate

not available in following states: AK, MN, MO,

NY, OH, NJ,OR,PA,UT,WA.

10% each yearincluding the first

GMW (87.5%@1.%)

9 years9,8,7,6,5,4,3,2,1

Withdraw Value without MVA if lump sum

Surrender value at death of owner

(full account value if annuitized for 5+ years.)

Nursing Home

(Terminates at age 86 no matter when the policy was issued. Owner driven, one-year wait, 90 day confinement.)

Annuitize after 5th year for at least 60 months using full account value

100% chargeback during the first 12 months for any full or partial withdrawals, excluding any penalty-free amounts.

No chargeback at death


date

Horizon MYG(Form #04370)

4.00% to 752.20% 76-801.70% 81-85

5.10% first year2.10% years 2-6

Not Available inAK,NJ,NY,UT


GMW (87.5%@1%)

10 years10,9,8,7,6,5,4,3,2,1

SC Modified Charges:9,8,7,6,5,4,3,2,1

Full Account Value at death of owner

Nursing Home






date

Horizon Select(Form #05377)

5 year:2.20% 0-801.70% 81-85

7&10 year:3.50% 0-802.50% 81-85

5 years: 2.05%7 years: 2.25%10 years: 2.85%

10 yr not availabe in SC Call our office for

details.


GMW (87.5%@1%)

5, 7 or 10 years10,9,8,7,6,5,4,3,2,1

Free out at end of initial guarantee periodSC Modified Charges:

9,8,7,6,5,4,3,2,1


Nursing Home






date

Horizon Secure(Form #05376)

5 year:1.70% 0-801.20% 81-85

7 year: 3.00% 0-802.20% 81-85

5 years: 1.90%7 years: 2.30%

Not Availabe inAK,CA,NY,UT


GMW (87.5%@1.%)

5 or 7 years10,9,8,7,6,5,4,3,2,1

Free out at end of initial guarantee period


Nursing Home






date

Horizon Flex(Form #04371)

2.20% to 751.70% 76-801.20% 81-85

Commission for premiums in yrs 2-5:

1.20% ages 0-801.20% ages 81-85

Subsequent commissions based on attained age at

time premium is paid.

4.15% first year2.15% base rate

2% on all first year premiums.

$5,000+EFT min.

$100/month(optional)

<$5,000EFT min.

$300/month(required)

$2,000 min. non-EFT additional

deposit


8 years8,8,8,7,6,5,3,1

Contract Surrender Charges - No rolling surrender charges.

SC Modified Charges:8,7,6,6,5,4,3,1


Nursing Home






date

Horizon Achiever (Form#05377)

3.00% to 802.00% 81-85 $5,000

NQ or Q


GMW (87.5%@1%)

10 years10,9,8,7,6,5,4,3,2,1

30 Day Window after 6 years to withdraw funds without charge or MVA



Nursing Home








Company Rate Lock Product Commission MVA Liquidity WaiversEffective

DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



American National 8/1/2013 FPDA 1.70% None N/A 1.00% Yes 0-90

American National 8/1/2013 SPDA 2.70% first year 1.00% N/A 1.00% Yes 0-90

American National 8/1/2013 SPDA 3.00% N/A 1.00% Yes 0-85



American National 8/1/2013 SPDA None 1.00% Yes 0-85




60 days from app signed date

Palladium CenturyFPDA

5.00% 0-742.50% 75-90

$5,000 NQ$100 Q

$100 monthly EFT minimum afterwards

Additional premiums accepted in first 7

years

$1MM maximum

10% per year including first year

7 years9,8,7,6,5,4,2



Nursing HomeDisability(owner)

Annuitization before the annuity maturity date is not allowed under any circumstances.

*100% 1st year, 50% second year for any surrenders, including death. No chargeback to withdrawals that are made outside surrender charges.


PalladiumCentury 1

7.00% 0-744.50% 75-90

**$5,000 NQ$4,000 Q

Additional premiums accepted in the first contract year only

$1MM maximum


10 years10,9,8,7,6,5,4,3,2,1






PalladiumCentury 3

6.00% 0-743.50% 75-85

4.70% first year

**$5,000 NQ$4,000 Q


$1MM maximum


10 years11,10,9,8,7,

6,5,4,3,2






PalladiumCentury 5

5.00% 0-742.50% 75-80

**$5,000 NQ$4,000 Q


$1MM maximum


10 years12,12,11,10,9,8,6,4,3,2






PalladiumCentury 7

4.00% 0-742.00% 75-80

**$5,000 NQ$4,000 Q


$1MM maximum


10 years12,12,11,11,10,9,8,6,4,2






PalladiumMYG 5SPDA

5 year term:2.50% to 790.05% 80-85

$100,000+2.50% 1st year

1.50% years 2-5<$100,000

2.40% 1st year1.40% years 2-5

$100,000+1.60%

<$100,0001.50%

$5,000NQ or Q

$1MM maximum

Interest after 30 days, and 10% after first year

10 years8,8,8,7,6,5,4,3,2,1

30-day window after initial guarantee period to surrender without penalty.

(If surrender is not initiated, the contract will renew at an annual interest rate for the remainder of the

initial 10-year term with surrender charges and MVA through the 10th year.)

Full account value at death of owner

Confinement(Available to age 80 at time of issue. 90-day wait. 60-day confinement)

Disability Waiver(If client is not receiving disability payments at time of issue, and is age 65+ at time of disability)

Terminal Illness(If client is diagnosed as terminally ill after the date of issue.)

Annuitization is allowed after the 3rd contract year without surrender charges as long as the payout is at least 60+ months. MVA would still apply. No surrender charges or MVA apply if annuitized during the 30-day window at the end of the initial guarantee period.

100% chargeback in the first 12 policy months for any withdrawal that incurs a surrender charge.


PalladiumMYG 6SPDA

6 year term:2.50% to 79.50% 80-85

$100,000+1.90% for 6 years

<$100,0001.80% for 6 years

$100,000+1.90%

<$100,0001.80%

$5,000NQ or Q

$1MM maximum


10 years8,8,8,7,6,5,4,3,2,1











PalladiumMYG 7SPDA

7 year term:2.50% to 79.50% 80-85

$100,000+3.50% first year2.50% years 2-7

<$100,0003.40% first year2.40% years 2-7

$100,000+2.64%

<$100,0002.54%

$5,000NQ or Q

$1MM maximum


10 years8,8,8,7,6,5,4,3,2,1











PalladiumMYG 8SPDA

8 year term:2.50% to 790.05% 80-85

$100,000+2.70% 8 years

<$100,0002.60% 8 years

$100,000+2.70%

<$100,0002.60%

$5,000NQ or Q

$1MM maximum


10 years8,8,8,7,6,5,4,3,2,1














DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit





American National 8/1/2013 N/A N/A 1.00% No 0-85

American National 8/1/2013 FPDA N/A 1.00% No 0-85

7/30/2013 SPDA None N/A 1.00% Yes* 0-80

6/28/2013 SPDA None N/A 1.00% Yes* 0-80

F&G Life 8/1/2013 SPDA FG Guarantee Plus 1.00% 1.00% Yes 0-90 None


PalladiumMYG 9SPDA

9 year term3.00% to 791.00% 80-85

$100,000+4.50% first year2.50% years 2-9

<$100,0004.40% first year2.40% years 2-9

$100,000+2.72%

<$100,0002.62%

$5,000NQ or Q

$1MM maximum


10 years8,8,8,7,6,5,4,3,2,1











PalladiumMYG 10SPDA

10 year term4.00% to 792.00% 80-85

$100,000+3.60% first year

2.60% years 2-10<$100,000


$100,000+2.70%

<$100,0002.60%

$5,000NQ or Q

$1MM maximum


10 years8,8,8,7,6,5,4,3,2,1











SPDAAdditional premiums

accepted in first year only

WealthQuest Citadel 5 Diamond

3.00% to 802.00% 81-85

$100,000+1.40% first year1.40% 2nd year

<$100,0001.30% first year1.30% 2nd year

$5,000 NQ or Q

$1MM maximum

10% beginning in the first year

5 years7,7,7,6,5






Can annuitize the full contract value at the end of the first contract year without surrender penalties if annuitized for at least 10 years.



WealthQuest Citadel 7 Diamond

3.50% to 802.50% 81-85

$100,000+2.40% first year1.40% 2nd year

<$100,0002.30% first year1.30% 2nd year

1% on all premiums for 3

years

$5,000 NQ $2,000 Q

$1,000 minimum additional

premiums, or $100 ACH


7 years7,7,7,6,5,4,2






Can annuitize the full contract value at the end of the first contract year without surrender penalties if annuitized for at least 10 years.


AtheneAnnuity


MaxRate 5SPDA

2.25% to 751.50% 76-80

Renewal Commission:1.13% to 750.75% 76-80

2.85%(2.75% in FL)

2.65% with enhanced liquidity package

(2.55% in FL)

$5,000

5 additional deposits of at least $500 allowed in the

first 6 months

$1,000,000maximum

10% each year after first only when purchasing the

enhanced liquidity package

5 years9,8,7,6,5


ENHANCED LIQUIDITY PACKAGE

10% each year after first

SEPP

Confinement1-year wait, 90 day confinement

RMD

Terminal Illness1-year wait

Cash surrender value except for the 30 day window after initial rate guarantee period

100% chargeback for full surrender, partial withdrawal, or death during the first six monthsand 50% in months 7-12. 100% Charge back for Annuitization for 24 months.

AtheneAnnuity


MaxRate 7SPDA

2.50% to 751.70% 76-80

Renewal Commission:1.25% to 750.85% 76-80

3.25% (3.15% in FL)

3.00% with enhanced liquidity package

(2.90% in FL)

$5,000NQ or Q

5 additional deposits of at least $500 allowed in the

first 6 months

$1,000,000maximum

10% each year after first only when purchasing the

enhanced liquidity package

7 years9,8,7,6,5,4,3


ENHANCED LIQUIDITY PACKAGE

10% each year after first

SEPP

Confinement1-year wait, 90 day confinement

RMD

Terminal Illness1-year wait

Cash surrender value except for the 30 day window after initial rate guarantee period

100% chargeback for full surrender, partial withdrawal, or death during the first six monthsand 50% in months 7-12. 100% Charge back for Annuitization for 24 months.

60 days from date app received

5-year term:2.50% to 791.25% 80-90

7-year term:3.25% to 79

1.625% 80-90

5-year term:3.00% first year2.00% years 2-5

7-year term:3.50% first year2.50% years 2-7

5 years:2.20%

7 years:2.64%

$5,000 NQ$2,000 Q

Cumulative interest, beginning in 30 days

5-year term*9,8,7,6,5

7-year term9,8,7,6,5,4,3**

*In NC, surrender charges do not renew after 5th year. In other states, there's a 30-day window to

withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender

charges.

** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same

surrender charges as shown above.

Surrender value at death of owner

Annuitization available at any time

(Please check commission chargeback provisions.)

No chargeback of commission at death.

100% chargeback for surrenders in first 12 months,50% in months13-24.

Commission adjustment to SPIA commission for Annuitization of a deferred contract in the first 12 months.

(.50% reduction in commission when the total premium for any client in the same year exceeds $600,000, retroactive to the first dollar of commission.)





DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



F&G Life 8/1/2013 SPDA None 1.00% Yes 0-90

F&G Life 8/1/2013 SPDA 1.20% for 3 years None 1.20% 1.00% Yes 0-90

7/22/2013 SPDA Secure Income 125 None 1.00% No 0-85

Genworth 7/31/2013 SPDA SecureLiving Liberty None 1.00% No 0-85

Genworth 7/31/2013 SPDA N/A No 0-85

Genworth 7/31/2013 SPDA

None N/A

1.00% No 0-85

No chargeback of commission at death.

100% chargeback for surrenders in first 12 months,50% in months13-24.

Commission adjustment to SPIA commission for Annuitization of a deferred contract in the first 12 months.

(.50% reduction in commission when the total premium for any client in the same year exceeds $600,000, retroactive to the first dollar of commission.)


FG Guarantee Platinum

5-year term:2.50% to 791.25% 80-90

7-year term:3.25% to 79

1.625% 80-90

5-year term:2.10% for 5 years

(1.95% in NC)

7-year term:2.60% for 7 years

5 years:2.10%

(1.95% in NC)

7 years:2.60%

$5,000 NQ$2,000 Q


5-year term*9,8,7,6,5

7-year term9,8,7,6,5,4,3**

*In NC, surrender charges do not renew after 5th year. In other states, there's a 30-day window to

withdraw funds without penalty. Otherwise, annuity renews for another 5 years with identical surrender

charges.

** 30-day window after 7th year. Or, auto-renewal into new 7 year surrender period with same

surrender charges as shown above.


Nursing Home

TerminalIllness

Unemployment




FG Guarantee Platinum 3

1.50% to 790.75% 80-90

$5,000 NQ$2,000 Q


3 years9,8,7

30-day window following initial guarantee period to withdraw funds without penalty. Otherwise,

surrender charges renew and start over at 9%.


Nursing Home

TerminalIllness

Unemployment



ForethoughtLife


7.00% to 755.00% 76-85

Commissions are reduced by 1.00% in the

states of AK, CT, DE, MN, OR, SC, TX and UT.

$250K+1.25% first year

$100K - $249K1.25% first year

$25K - $99K1.25% first year

(1.00% min.)

N/A*No market value adjustment to the

surrender charge in a rising rate

environment

$25,000

Maximum:$1,000,000

0-75; $500K 76+

10% each year after the first.

Free RMD for all Q plans

10 years:12,12,11,10,9,8,7,6,4,2

Full account value at death of the owner

Optional: Increased Death Benefit Guarantee

Rider(1.25% Cost)

Nursing Home(at any time on or after the 1st contract anniversary, if client should become confined to an approved nursing facility for at least 60 consecutive days, withdrawal charges on any portion of the CV withdrawn will be waived.

Terminal Illness

LIFETIME INCOME RIDER25% PREMIUM BONUS PLUS 5% GUARANTEED INTEREST FOR 10 YEARS IN THE INCOME ACCOUNT

After 5th contract year without penalty if choose a payout option of at least 5 years certain.

100% Chargeback for death or any withdrawals in the first year. Issue Age 0-80100% 0-6 months

50% months 7-12

Issue Age 81+ 100% 0-12 months

60 days from date application received

3.00% to 751.95% 76-801.05% 81-85

1 Year Guarantee:$250,000+

4.15% first year

$100,000 - $249,9993.40% first year

$15,000 - $99,9992.40% first year

(1.65% bailout rate in years 2-6)

$250K+2.06%

$100k - $249K1.94%

<$99K1.77%

$15,000

$500,000 maximum

10% each year including the first

Available after 30 days

6 years:9,9,8,7,6,5 Full account value at

death of the owner

Medical Care/Nursing Home Waiver

Bail Out

Guaranteed Return of Premium

Can annuitize after 13 months without any surrender charges.

Options are Lifetime Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with 10 Year Period Certain.

100% Chargeback for death in the first 6 months for any owner with an issue age of 76 or older.100% Chargeback the first twelve months for Full or Partial Withdrawals above the penalty free amount.

3 Year Guarantee:$250K+

3.05% years 1-3

$100K - $249K2.85% years 1-3

<$99K2.25% years 1-3

(1.65% bailout rate in years 4-6)

$250K+2.35%

$100k - $249K2.25%

<$99K1.95%

5 Year Guarantee:$250K+

2.55% years 1-5

$100K - $249K2.40% years 1-5

<$99K2.00% years 1-5

(1.65% bailout rate in year 6)

$250K+2.40%

$100k - $249K2.27%

<$99K1.94%


SecureLiving Independence

2.25% to 751.31% 76-800.94% 81-85

$100K+4.80% first year

$50,000 - $99,9994.30% first year

$15,00 - $49,9993.80% first year

(2.55% bailout rate in years 1 &2 yr $15,000-

$100,000+ )

.50%and 1.00% depending on

premium amounts1.00%

years 1-6

$15,000

$500,000 maximum

10% each year including the first

Available after 30 days6 years:

9,9,8,7,6,5 Full account value at

death of the owner


(90 day wait, 30 day confinement)






SecureLiving Smart Rate

3.00% to 752.70% 76-801.05% 81-85

1-Year Guarantee:

2.60% < $49,999

3.35%$50k - $99,999

4.10% - $100k+

$5,000 NQ$2,000 Q

$500,000 maximum

10% each year including the first.


7 years:7,7,7,6,5,4,3 Full account value at

death of the owner











DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



Genworth 7/31/2013 SPDA N/A 1.00% No 0-85

N/A

Great American 8/7/2013 SPDA Secure American 1.00% No

8/7/2013 SPDA Secure Gain 5 1.00% 9,8,7,6,5

8/7/2013 SPDA Secure Gain 7 1.00% 9,8,7,6,5,4,3

Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3

Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3,2,1

Guggenheim 8/1/2013 SPDA None 1.00% Yes 7,6,5,4,3,2,1,1,1,0.75


SecureLiving Smart Rate

3.00% to 752.70% 76-801.05% 81-85

$5,000 NQ$2,000 Q

$500,000 maximum

10% each year including the first.


7 years:7,7,7,6,5,4,3 Full account value at

death of the owner







3-Year Guarantee:2.05% - < $49,999

2.45%$50k - $99,999

3.85% $100k+

None

5-Year Guarantee:

1.65% - < $49,999

2.00%$50k - $99,999

2.20% $100k+

None


First Year5.75% to 704.65% 71-804.40% 81-89

Second Year5.00% 0-703.85% 71-803.60% 81-89

Third Year4.05% 0-702.95% 71-802.00% 81-89

3.00% AV*1.00% SV*

1% Annuitization bonus vests per year, up to 10%

4.03% effective yield (assuming you are

annuitizing for min. of 7 years.)

0-89(NQ)18-89(Q)

$10,000

Maximum: $750,000 for ages 0-79. $500,000 for

ages 80+

Additional premiums accepted in first three contract

years; min $5,000

10% of the initial purchase payment in the first

contract year. After first contract year, 10% per

year of cash value, as of most recent contract

anniversary

7 years9,8,7,6,5,4,3

Applies to each purchase payment

Upon the death of the owner, the death

benefit will equal the account value, which includes any earned

Annuitization bonus if the contract is

annuitized, less any applicable premium

tax or other taxes not previously deducted.

Extended Care

TerminalIllness

Up to 10% Annuitization bonus

If the contract is annuitized after the first contract year for a period of at least seven years, a bonus will be added to the account value. The bonus will be equal to 1% of the amount annuitized for each completed contract year, up to a maximum of 10%. Withdrawals, surrenders, loans and ESP payments will adversely affect the amount available for Annuitization.

ANNUITIZATION 100% in the first year for periods of 10+ years or life; 50% for 9 years or less

DEATH50% in the first 6 months only

PARTIAL WITHDRAWALS100% in months 1-6;50% in months 7-12

SURRENDERS100% in months 0-6;50% in months 7-12

GreatAmerican


2.50% to age 801.50% ages 81-89

<$100,0002.15% year 12.00% year 22.10% year 32.20% year 52.30% year 5

$100,000+.10% bps higher

.25% interest rate bonus for one year

<$100,0002.15%

$100,000+2.25%

Yes

(No MVA in IN, MN, MO, OH,

VA)

18-89 Q0-89 NQ

$10,000

$750,000 max for ages 0-79

$500,000 max for ages 80+

10% during the first year, and 10% each year

thereafter (non-cumulative) as of the end

of the prior contract anniversary.

Full account value at the death of the owner

Extended Care Waiver(confinement after first contract year, 90 consecutive days)

Terminal Illness Waiver(diagnosed after first contract year; 12 months or less to live as diagnosed by a physician)

Annuitization allowed at any time using full account value





GreatAmerican


2.50% to age 801.50% ages 81-89

<$100,0002.60% year 11.85% year 22.10% year 32.35% year 52.60% year 52.85% year 63.10% year 7

$100k +.10 bps higher

1.00% interest rate bonus for one

year

.25% added to base rate in years

2-7

<$100,0002.49%

$100,000+2.59%

Yes

(No MVA in IN, MN, MO, OH,

VA)

18-85 Q0-85 NQ

$10,000

$750,000 max for ages 0-79

$500,000 max for ages 80+

10% during the first year, and 10% each year

thereafter (non-cumulative) as of the end

of the prior contract anniversary.

Full account value at the death of the owner

Extended Care Waiver(confinement after first contract year, 90 consecutive days)

Terminal Illness Waiver(diagnosed after first contract year; 12 months or less to live as diagnosed by a physician)

Annuitization allowed at any time using full account value






ProOption 5With Return of

Premium

2.50% to age 801.88% ages 81-85 1.25% ages 86-90

2.15% year 12.25% year 22.35% year 32.45% year 52.55% year 5

Same as guaranteed rate

0-90Q & NQ

Qualified:$5,000 Min

$1,000,000 Max

Non-Qualified$10,000 Min

$1,000,000 Max

10% of previous anniversary account value

in Year 2 and later.

RMD's allowed in all years (with chargeback in Year

2)

Full account value at the death of the

owner.

Surrender charges waived

No MVA applied.

Nursing Home(Contract purchased prior to age 76, 90 consecutive days)

Terminal Illness(Contract Purchased prior to age 70)

Can annuitize at any time . Surrender charges are waived upon Annuitixation for a minimum of 10 years, or 5 years after the initial guarantee period.

100% on any withdrawal or death within 1st contract year.



Premium

2.50% to age 801.88% ages 81-85 1.25% ages 86-90

2.55% year 12.65% year 22.75% year 32.85% year 52.95% year 53.05% year 63.15% year 7


0-90Q & NQ


$1,000,000 Max


$1,000,000 Max




2)


owner.


No MVA applied.







Premium

3.00% to age 802.25% ages 81-85 1.50% ages 86-90

2.70% year 12.80% year 22.90% year 33.00% year 43.10% year 53.20% year 63.30% year 73.40% year 83.50%year 9

3.60% year 10


0-90Q & NQ


$1,000,000 Max


$1,000,000 Max




2)


owner.


No MVA applied.









DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



Guggenheim 8/1/2013 SPDA

None

1.00% Yes

None

None

None

None

None

None

None

ING USA 7/17/2013 SPDA

1% on $75,000+

Yes 0-80 $15,000

1% on $75,000+

7/31/2013 SPDA MultiVantage

1.00% 1.25%

1.00% Yes

0-89

Full account value upon Annuitization

1.00% 1.60% 0-89

1.00% 2.39% 0-89

1.00% 2.70% 0-89

7/31/2013 FPDA

QIO 1st.yr rate 2.75% n/a n/a

1.00% Yes 0-85

0.75% 1.40%

0.75% 1.57%

0.75% 2.00%

0.75% 2.27%

7/31/2013 SPDA

n/a n/a

1.00% No 0-85 $3,000

1.00% 1.98% minimum

1.00% 1.70% minimum

1.00% 1.44%

8/1/2013 SPDA

None

1.00% Yes 0-90

None

None

None

None

None


Preserve Multi-Year Guaranteed Annuity

3-Year term1.00% to 800.75% 81-850.50% 86-90

4-Year term1.75% to 801.31% 81-850.88% 86-90

5-9 year terms2.50% to 801.88% 81-851.25% 86-90

10- year term3.00% to 802.25% 81-851.50% 86-90

*Call for renewals

3-year term:2.10% $250K+

2.00% under $250K


0-90Q & NQ


$1,000,000 Max


$1,000,000 Max




2)

3-year term:7,6,5

Full account value at death


No MVA applied.





4-year term:2.35% $200K+

2.25% under $250K


4-year term:7,6,5,4

5-year term:2.80% $250K+

2.70% under $200K


5-year term:7,6,5,4,3

6-year term:3.00% $250K+

2.90% under $250K


6-year term:7,6,5,4,3,2

7-year term:3.30% $250K+

3.20% under $250K


7-year term:7,6,5,4,3,2,1

8-year term:3.40% $250K+

3.30 under $250K


8-year term:7,6,5,4,3,2,1,1

9-year term:3.50% $250K+

3.40% under $250K


9-year term:7,6,5,4,3,2,1,1,1

10-year term:3.60% $250K+

3.50% under $250K


10-year term:7,6,5,4,3,2,1,1,1,0.75

45 days from date transfer request is

sent by ING

Guarantee Choice Annuity

7 year term:Option A

2.50% 0-76w/ no trail

Option B, C, D1.50% 0-76w/.25% trail

.25% reduction over 76

7-year guaranteed rate$15,000 - $74,999

1.50%

$75,000+2.50% 1st year

1.50% years 2-7

$15,000+1.50%

75,000+1.64%

SeeLeft

Interest in 30 days, 10% after one year

7 or 10 years9,8,7,6,5,4,3,2,1

30 day window at end of initial guarantee period to withdraw funds without penalty. After window, surrender charges continue but do not reset.

Accumulation value is pd. to the beneficiary

Nursing Home & Terminal Illness

Surrender charges waived if owner is confined for at least 45 days during any continuous 60-day period.


Annuitize your contract prior to 9th contract anniv. cash surrender value will be applied to the payout option, if you annuitize your contract on after the 9th contract anniv, the accumulation value will be applied to payout option.Annuitization available after 1st contract yr for a min. of 10 yrs.

Chargeback for surrenders or Annuitization in the first year:

100% first 6 months50% months7-12

No chargeback at death in first year..

10 year term:Option A

3.25% 0-76w/ no trail

Option B, C, D2.00% 0-80w/.25% trail

.25% reduction over 76

10-year guaranteed rate$15,000 - $74,999

1.50%

$75,000+2.50% 1st year

1.50% years 2-10

$15,000+1.50%

75,000+1.60%

IntegrityLife


2.00% to 751.50% 76-85 1.20% 86-89

4 years:2.00% first year1.00% years 2-4

$20,000

Max premium$1M 0-75

$750K 76-89


4, 5, 7, or 10 years8,8,7,7,6,5,4,3,2,1

30-day window BEFORE end of initial GRO period to withdraw funds without penalty or MVA

No MVA at death.

Full account value at the death of the annuitant

Nursing Home

TerminalIllness

RMD

Full Annuitizationafter 1st. Yearpartial @ maturity

100% chargeback in the first 12 months for surrenders in each GRO period.

No chargeback at death.

2.50% 0-752.00% 76-851.70% 86-89


3.00% 0-752.20% 76-851.80% 86-89


3.50% 0-752.70% 76-852.00% 86-89

10 years:3.60% first year

2.60% years 2-10

IntegrityLife


NewMomentum

Guaranteed Rate Option:

5.00% to 793.00% 80-85

Quarterly Enhanced Interest Rate Option:

2.00% to 790.00% 80-85

$5,000 NQ$2,000 Q

$1,000 additional lump sum premiums or $100 min if set up

on EFT


7 years8,7,6,5,4,3,2

(7 year surrender. MVA extends to the end of the 7th year, or 10th year on the 10-year term)

Deposit Surrender Schedule - each deposit incurs a new surrender charge period. Of 7 years


Nursing Home

TerminalIllness

Unemployment

(owner)

Annuitization outside of the 30-day window will incur MVA calculations but no surrender charges.

100% chargeback in the first 6 months for surrenders or withdrawals over 10%.


5-year GRO rate:2.00% first year1.25% years 2-5


7-year GRO rate:2.65% first year1.90% years 2-7

10-year GRO rate:2.95% first year2.20 years 2-10

IntegrityLife


SPDASeries II

4.00% to 792.25% 80-85

1-year rate:2.75%


7 years7,7,7,6,5,4,3


Unemployment,Terminal Illness,Healthcare,and RMD

(The unemployment, terminal illness and healthcare waivers are NOT allowed in NC or SC.)

GUARANTEED RETURN OF PREMIUM

Annuitization can begin at any time. However, there is a chargeback of commissions in the first year due to annuitized contracts.

100% first six months, 50% months 7-12 for partial withdrawals (except penalty-free amounts) or full surrenders.


New money Annuitization rates and full commission after 5 years.

3-year rate:2.65% first year1.65% years 2-3

5 year rate:2.50% first year1.50% years 2-5

7 year rate:2.30% first year1.30% years 2-7

NorthAmerican


North American Guarantee Choice

Plus

3-Year term1.50% to 80

1.125% 81-85.75% 86-90

4-Year term2.00% to 801.50% 81-85

1% 86-90

5-10 year terms2.50% to 801.88% 81-851.25% 86-90

.75% at re-entry

3-year term:1.40% $200K+1.15%>$200K


$2,000 Q$10,000 NQ

Current year interest withdrawals after 30 days

3-year term:10,10,10


annuitant

Nursing Home(Age 75 or younger at time of issue; 1-year wait, 90 day confinement - penalty-free withdrawals increased to 20% per year)

Available after first year if annuitized for life. After 5th year if annuitized for at least 60 months.

100% first6 months

50% months7-12for any and all withdrawals

In CT, IN, KY, LA, MD, OK, OR, SC, TX, UT, VT, VA, & WA, the Guarantee Annuity commissions are .25% less and re-entry commissions are .125% less. Commissions are not paid on new premium added to a spousal continuance case.

4-year term:1.65% $200K+

1.40% under $200K


4-year term:10,10,10,10

5-year term:2.50% $200K+

2.25% under $200K


5-year term:10,10,10,10,10

6-year term:2.25% $200K+

2.00% under $200K


6-year term:10,10,10,10,10,9

7-year term:2.50% $200K+

2.30% under $200K


7-year term:10,10,10,10,10,9,8

8-year term:2.75% $200K+

2.55 under $200K


8-year term:10,10,10,10,10,9,8,6

2 year & 3-year GRO will be closed to renewals, fund transfers, and new

contributions eff. 9/30/12.





DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



8/1/2013 SPDA

None

1.00% Yes 0-90

None

8/1/2013 FPDA 5.00% N/A 1.00% Yes 0-80

8/1/2013 FPDA N/A N/A 1.00% Yes 0-85

8/1/2013 FPDA N/A 1.00% Yes

NSS Life 1/2/2013 FPDA 1.00% for one year n/a 1.00% 1.00% No Unlimited None Any time without penalty

NSS Life 1/2/2013 Optimum 3 2.00% for three years n/a 2.00% 1.00% No Unlimited None Any time without penalty

NSS Life 1/2/2013 FPDA Preferred 5 3.00% first year n/a n/a 2.00% No Unlimited None Any time without penalty

NSS Life 1/2/2013 FPDA Preferred 8 3.50% first year n/a n/a 2.00% No Unlimited None Any time without penalty

NorthAmerican


North American Guarantee Choice

Plus

3-Year term1.50% to 80

1.125% 81-85.75% 86-90

4-Year term2.00% to 801.50% 81-85

1% 86-90

5-10 year terms2.50% to 801.88% 81-851.25% 86-90

.75% at re-entry

$2,000 Q$10,000 NQ

Current year interest withdrawals after 30 days


annuitant



100% first6 months

50% months7-12for any and all withdrawals

In CT, IN, KY, LA, MD, OK, OR, SC, TX, UT, VT, VA, & WA, the Guarantee Annuity commissions are .25% less and re-entry commissions are .125% less. Commissions are not paid on new premium added to a spousal continuance case.

9-year term:3.00% $200K+

2.75% under $200K


9-year term:10,10,10,10,10,9,8,6,4

10-year term:3.50% $200K+

3.30% under $200K


10-year term:10,10,10,10,10,9,8,6,4,2

NorthAmerican


Boomer Annuity

To age 75:7.00% first year3.00% years 2-52.00% years 6-71.00% years 8-101.50% years 11+

25% reduction in above rates for ages 76-80

1.35% first yearPLUS

5% cash bonus on all premiums received in

the first 5 contract years!

$2,000 Q$10,000 NQ

$50/month minimum premium after initial

premium

5% of account value each year after first year

10 years15,14,13,12,11,

10,8,6,4,2

Contract Surrender Charges - no rolling surrenders

Full account value at death of first owner or

second annuitant


Annuitization Bonus2% years 8-105% years 11+

Account value after first contract year.

2% Annuitization bonus if annuitized in years 8-10, 5% years 11+

100% first6 months

50% months7-12for any and all withdrawals including RMDs

NorthAmerican


North AmericanDirector

5.50% to 804.13% 81-85

.50% on premiums applied in years 2-5

(1% comm reduction in VA.)


1% minimum yrs 6-9

$2,000 Q$10,000 NQ


premium

10% each year after first year; one withdrawal

allowed per year

9 years12,11,10,9,8,

7,6,4,2

Contract Surrender Charges - no rolling surrender charges

Full account value at death of first owner or

second annuitant


Terminal Illness(Age 75 or younger at time of issue; one-time penalty-free withdrawal up to 50% of AV)

Unemployment(age 65 or younger at time of issue; one-year wait; increases penalty-free withdrawals to 20% per year)

INCOME PAY RIDER

Annuitization using full account value is available after first year if annuitized with life contingency, or after 5th year if annuitized for at least 60 months.

100% first6 months

50% months7-12for any and all withdrawals including RMDs

NorthAmerican


North AmericanFlex II & III

FLEX I & II:4.50% first year

2.50% years 2-3 0.50% years 4-9

Flex I: 25% reduction ages 76-80

50% reduction 81-85

Flex II: 25% reduction ages 76-79

Flex IIITo age 75:

4.50% first year2.50% years 2-5 0.50% years 6-10

0.50% years 11-15

First Year Guaranteed Rate:

Flex II: 1.40% (1st year)

10-year term

Flex III: 1.55% (1st year)

14-year term

Flex II: 5%

Flex III: 10%

Premium bonus applies to all

premiums received in first 5 contract years.

Flex II: 0-79Flex III: 0-75

$2,000 Q$10,000 NQ


premium

10% per year after first contract year

Flex II:10 Years

15,14,13,12,11,10,8,6,4,2

Flex III:14 years

18,18,17,15,15,15,15,14,12,10,8,6,4,2


Full account value paid at death of first

owner/annuitant or second annuitant (if joint)


INCOME PAY RIDER



100% firstcontract year, 50% second contract yearfor any and all withdrawals including RMDs

Unlimited rate lock with a $100

fee

No ratelock otherwise

Preferred Choice One Year Annuity

.50% on all deposits.50% trails for 3 years

$2,000 NQ or Q

$25,000 max deposit per client

Additional deposits of at least $25

allowed after first year

Up to 10% may be withdrawn in each contract

year. Full liquidity is available during a 30-day window at the end of the

one-year period.

5 years6,5,4,3,2

No new surrender charges on additional deposits

Full Account Value at death

Prorata chargeback of commissions for surrenders or withdrawals in first year for any reason, except for penalty-free amounts.First year withdrawals of $5,000 or more from subsequent deposits will also incur a commission prorated chargeback.


fee


FPDAAdditional premiums

accepted in first 90 days

1% at all ages on initial deposit

$2,000

$25,000 maximumpremium per client

Additional premiums accepted in first 90

days

10% free each year after first contract year

5 years6,5,4,3,2

30 day window after 3 years to withdraw with no penalty




fee


2.75% ages 0-79first year

1.75% on additional deposits

1.00% ages 80+first year

.50% additional deposits years 2-5

$1,000 lump sum

$25 minimum thereafter

$100,000 maximum premium per client


5 years6,5,4,3,2





fee


2.75% ages 0-79first year

1.75% on additional deposits

1.00% ages 80+first year

.50% additional deposits years 2-5

EXTRA .25% COMMISSION

THROUGH 3/31/13

$1,000 lump sum

$25 minimum thereafter

$100,000 maximum premium per client


8 years9,8,7,6,5,4,3,2




NSS Life is only approved to do business in CA, CO, CT, FL, IL, IN, MI, NJ, NY, NC, OH, PA, WV, WI





DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



8/1/2013 SPDA None N/A 1.00% Yes 18-80

8/15/2013 SPDA None 1.00% No

8/15/2013 FPDA 0-90

8/15/2013 FPDA 0-90

6/25/2013 SPDA None 1.00% Yes 0-85

6/25/2013 SPDA None 1.00% No 0-85

OxfordLife

60 days from date application signed

Income ProtectorSPDA

3.00% to 18-752.00% 76-80

Years 1-5:

2.75%$25,000-$350,000

2.25%$10,000 - $25,000

(1.00 % min)

*Income account rate years 1-5

$25,000+ - 7.50%(*$6% min yrs 6-10)

<$25,000 - 7.00%(*6% min yrs 6-10)

[*5% greater than policy base rate for first 10

years)

$10,000

$350,000 maximum

Systematic withdrawal of interest in the

first year*OR

2 penalty-free withdrawals per year cumulatively, 10% of accumulated

annuity value starting in the second year

5 years10, 9, 8, 7, 6


Terminal IllnessHome Health CareNursing Home

Optional Guaranteed Lifetime Withdrawal Benefit- Guaranteed Income Account Roll-Up Rate = 5% over fixed rates shown abovePrior to any withdrawals under the GLWB or base policy, the Income Account Value equals 100% of your initial premium, plus the premium bonus, guaranteed to grow at a rate of 5.00% over the base guaranteed rate annually for the first 10 years. Can receive monthly, quarterly, semi-annual or annual GLWB payments. When you first elect GLWB payments, your annual payments will be based on your current Income Account Value multiplied by a percentage based on your age. Payments can be started and stopped at any time. If a RMD is required, you will be allowed to take the greater of the GLWB payment or the RMD.

Account value after first contract year as long as it is done for the remaining 5.

Charge-back will be in effect for death in the first year adjusted semi-annually

100% months 1-6 & 50% 7-12.

PrincipalFinancial


Principal Guaranteed Fixed Annuity

4.10% to 802.75% 81-851.45% 86-90

1-year rate:1.30%

(1.00% min.)

3-year rate:1.30% for 3 years

(1.00% min years 4-5)

5-year rate:1.30% for 5 years

1-Year:1.30%

3-years:1.30%

5-years:1.30%

0-90

0-85 in OK

$5,000

$2,000 minimum additional premiums

in first year only

$1,000,000 maximum

10% each year beginning in the first year

5 years7,7,7,6,5

Full accumulation value at death.

Terminal IllnessDisabilityNursing Hometo age 85 at issue


Annuitize at any time without surrender charges

Premium credit is lost if annuitized in first 3 year.

100% chargeback in first year for surrenders or Annuitization in first year. Prorated chargeback if annuitized in first year and premium credit option is chosen at issue.


PrincipalFinancial


Principal Secure Fixed Annuity

Guaranteed return of principal

4 years:1.15% for 4 years

plus .25% premium credit for $100,000+

6 years:1.45% for 6 years

plus 2.00% premium credit for $100,000+

4-year term:$100,000+ only:

0.25%

6-year term:$50,000-$99,000:

1.00%

$100,000 +2.00%

4-year term:$100,000+: 1.15%>$100,000: 1.21%

6-year term:>$50,000: 1.45%

$50,000-$99,000:1.62%

$100,000 +1.78%

$5,000$2,000 minimum

additional contributions in first

year only

$1M maximum

15% of the contract year's beginning account value,

plus 15% of any additional premium payments made during the contract year,

or the RMD

4 years:7,6,6,5

6-year:7,6,6,5,5,4

No forced renewal. One time renewal after initial guarantee period.


Terminal IllnessDisability (under age 65)Confinement (6-consecutive days)

PrincipalFinancial


Principal Select Fixed Annuity

Guaranteed return of principal

3 years:1.05% for $100K;

.90% for$50k - $99,999

4 years:1.40%

6 years: 1.95% $100K;

1.90% $50k - $99,999;1.80% <$50,000

9 years: 1.70% $100K+;

1.55% for<$100,000K

3 years: None

4-year term:1.50% $100K;

1.00% $50k - $99,999;0.50% <$50,000

6-year term:2.00% $100K

1.00% $50k - $99,999

9 years: None

3 years:0.90% for $100K;

.75% for$50k - $99,999;

4 years:

1.78% premium credit for $100K;

1.65% premium credit for $50k - $99,9991.52% <$50,000

6 years: 2.29%$100K;

2.07% for $50k - $99,999;

1.80% <$50,000

9 years: 1.70% $100K+;

1.55% <$100,000K

$5,000$2,000 minimum

additional contributions in first

year only

$1M maximum

15% of the contract year's beginning account value,

plus 15% of any additional premium payments made during the contract year,

or the RMD

4 years:7,6,6,5

6-year:7,6,6,5,5,4

No forced renewal. One time renewal after initial guarantee period.


Terminal IllnessDisability (under age 65)Confinement (6-consecutive days)

RelianceStandard


Eleos MVA

**Product not available in AL, MD, MT, ND, NY, OK, OR,

SC, TX, UT, or WA

3.25% to 752.60% 76-801.95% 81-85

Upon issue, commissions will be paid on first

$300,000 of premium until after the free look

period is up, then rest of commissions will be paid.

Renewal Commission will be payable upon the

election of a new guarantee period if the

agents appointment is still active.

3.30% first year 2.30% base rate

Depends on renewal rate

$10,000

$500k Max.

10% per year including first year, available 30 days after policy issue

5 years8,7,6,5,4

Waived for 90 consecutive days of Hospital/Nursing home confinement after 1st year, up to 25% each

year.

Penalties are waived at death of owner if the

owner and annuitant are the same person.

If the owner is not the annuitant, the surrender value is paid on death of

the owner.

Nursing HomeHospitalization

Allows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.

Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of 10+ years.

100% first6 months

50% months7-12

RelianceStandard


Eleos-SPSPDA

**Product not available in AL, MT,

MO, NY, UT,

3.25% to 752.60% 76-801.95% 81-85









$10,000

$500k Max.


5 years8,7,6,5,4

Waived for 90 consecutive days of Hospital/Nursing home confinement after 1st year, up to 25% each

year.

Penalties are waived at death of owner if the

owner and annuitant are the same person.


the owner.

Nursing HomeHospitalization



100% first6 months

50% months7-12





DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit



6/25/2013 SPDA Apollo-MVA None 1.00% Yes 0-85

6/25/2013 SPDA Apollo-SP None 1.00% No 0-85

Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.

5/1/2013 SPDA None N/A Yes

5/22/2013 SPDA Personal Choice None 1.00% Yes

8/19/2013 SPDA Western National 5

1.00%

No

1.00%

None 1.00%


1.00%

No

RelianceStandard


5.25% to 754.20% 76-803.15% 81-85









$5,000

$500k Max


*Cumulative interest available beginning in year

3 up to 30% of single premium

7 years9,8,7,6,5,4,2

Penalties are waived at death of owner as long as the owner and annuitant

are the same person.


the owner.

Nursing HomeHospitalizationAllows withdrawals up to 25% of the value penalty free each year.Available ONLY to annuitants age 74 or younger at issue.


100% first6 months

50% months7-12

RelianceStandard


5.25% to 754.20% 76-803.15% 81-85









$5,000

$500k Max


*Cumulative interest available beginning in year

3 up to 30% of single premium

7 years9,8,7,6,5,4,2

Apollo surrender charge reduced for ages 60+(8,7,6.5,5.5,4.5,3.5,2.0)

Penalties are waived at death of owner as long as the owner and annuitant

are the same person.


the owner.

Nursing Home

Hospitalization


Annuitize at the end of the fifth contract year or any time after the Surrender Charge Period and choose an income option with a payout period of six or more years.

Life, Life with pmts certain, Designated Period, or Joint and Last Survivor

100% first6 months

50% months7-12

SagicorLife


Gold Series Sage Choice

3.00% to 801.00% 81-90

2.50% first year 2% years 2-103% year 11+

0-90 NQ or Q

$2,000NQ or Q

Beginning in year one 10% per year.

Monthly Systematic Interest available when

application taken (additional form required).

If not selected initially, must wait till first

anniversary.

6 years7,7,7,6,5,3


Confinement Waiver: 90 day confinement; All fund penalty-free (no age restriction)

Terminal Illness: 6 months or less to live as defined by a physician

Bail Out ProvisionAfter the first policy year if the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the owner may request, within 30 days of notification, to receive the accumulation value without incurring a surrender charge.

Can annuitize after the first contract year with no penalty if a period of at least 5 years is chosen.

Chargeback on Non-accidental deaths100% first6 months50% months7-12

No Chargeback on accidental deaths

SentinelSecurity

Life


5-year & 7-year terms2.25% to 801.50% 81-90

10-year terms2.75% to 80

2.00% 81-90

5 Year: 2.85%

7 Year: 3.20%

10 Year: 3.45%

See Waivers Column (right) for rate

reductions related to liquidity options

2.85% for 5 years3.20% for 7 years3.45% for 10 years

0-90

$2,500 minimum

$1,000,000 maximum

Liquidity riders are optional. See Waivers

Column (right)

10 years9,8,7,6,5,5,5,5,5,5

(5% surrender charge at renewal until attained age 94.)

No penalties or MVA 30 days prior to the end of any guarantee period

Renewal surrender charges:Attained age 90-93: 5%

Age 94 - 4%Age 95 - 3%Age 96 - 2%Age 97 - 1%

Ages 98-99 - 0%

Full account value costs 0.35%. Full account

value without fee on ages 86-90. (Death of owner

or annuitant)

If selected full account value at death of

annuitant or owner, the Death Benefit will be

equal to the total contract value.

Any Surrender Charges and MVA will be waived.

These riders, which must be added at issue*, eliminate surrender charges and MVA. A rate reduction applies, as stipulated below:

Preferred 10%: 0.08%Terminal Illness/Nursing Home: 0.15%72(t): 0.05%Death Benefit: 0.35%Cumulative Interest: 0.08%RMD - 0.16%

(*May be added at issue or at the beginning of a subsequent guarantee period.)

All clients ages 86-90 MUST purchase death benefit rider except in the state of FL.

Can annuitize after the first contract year with no penalty if a period of at least 5 years is chosen.

100% first6 months

50% months7-12

No Chargeback at death.

WesternNational

Life


2.00% to 851.00% 86-90

1-year rate guarantee with premium bonus

option:

1.50% NQ1.75% Q

Depends on renewal rate in years 2-5

1%

Guaranteed Return of

Principal is optional at point-

of-sale

0-90 NQ0-70 Q

$5,000 NQ$2,000 Q

$2,000 additional premium minimum

$1,500,000 maximum

After 30 days accumulated interest

orUp to 15% of the previous anniversary annuity value

If you do not use all of the 15% free withdrawal in a

policy year, you may carry over the unused portion to the next policy year up to

a maximum of 20%.

5 years9,8,7,6,5

Deposit Surrender Charges - Each deposit incurs a new surrender charge period.


Extended Care

Terminal Illness

Activities of Daily Living

Annuitization available without penalty after 3 years using full account value if annuitized for at least 5 years.

Chargeback for surrenders for any reason.

100%months 1-12

50%months 13-24

1-year rate guarantee with interest rate bonus

option:

2.50% NQ2.75% Q


3-year rate guarantee

1.85% NQ or Q

0.35% interest rate bonus for 3

years

Depends on renewal rate in years 4 & 5

5-year rateguarantee

1.55% NQ or Q

WesternNational

Life


3.00% to 851.50% 86-90

1-year rateguarantee with premium

bonus option:

1.95% NQ, Q 2.10%


1%



of-sale

0-90 NQ0-70 Q

$5,000 NQ$2,000 Q


$1,500,000 maximum





a maximum of 20%.

7 years9,8,7,6,5,4,2



Extended Care

Terminal Illness





100%months 1-12

50%months 13-24





DateSPDA/FPDA

Current Rate

1st year premium/

interest rate bonus

AverageAnnualYield

MinGuarRate

Issue Ages

Min/MaxPremium

SurrenderCharges

DeathBenefit




1.00%

No

N/A

None

None N/A

8/19/2013 SPDA None 1.00% No $10,000

WesternNational

Life


3.00% to 851.50% 86-90

1%



of-sale

0-90 NQ0-70 Q

$5,000 NQ$2,000 Q


$1,500,000 maximum





a maximum of 20%.

7 years9,8,7,6,5,4,2



Extended Care

Terminal Illness





100%months 1-12

50%months 13-24

1-year rate guarantee with interest rate bonus

option:2.95%NQ or 3.10% Q


3-year rate guarantee2.50%

0.70% interest rate bonus for 3

years

5 year rate

2.15%

Depends on renewal rate in years 6 & 7

7 year rate

2.15%

WesternNational

Life


WNL Security Builder 5

1.50% to 800.75% 81-85

1.85% NQ2.00% Qfirst year


0-85 for cash sales

0-70for 1035

exchanges & transfers


or up to 15% of the previous anniversary

annuity value, cumulative to 20% if not used in any

policy year.

5 years7,7,6,5,3


Extended Care

Terminal Illness





100%months 1-6

50%months 7-12

For producer use only. Revised 04/17/2023

Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA Waivers

Allianz 7/22/2013

Fixed Account No Cap None

No 87.5% @ 1.00% 0-80 $1MM

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% No Cap

Allianz 7/22/2013


No 90% @1.50% 0-80 $1MM

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% No Cap

Allianz 7/22/2013 Pro V1 SPDA None


No 87.5% @1.00% 0-85 $10,000 $1MM

100% No Cap

100% No Cap 1.90%

Allianz 7/22/2013 MasterDex 5 Plus


No 0-80 $1MM

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% No Cap

Allianz 7/22/2013 MasterDex 10 Plus


No 87.5% @1.0% 0-80 $1MM

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100% No Cap

RateEffective

Date

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins

MinimumContractualGuarantee

IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission

Commission Chargeback Rules

60 days from day app received in home office

Endurance Elite

Includes a built-in income rider. Account value is

enhanced by a 10% premium bonus plus 105%

interest after 5th year. Several income options

available.

All these benefits are without any cost to the

client.

SPDA

(Additional premiums accepted in first year.)

10%credited to the Enhanced Withdrawal Benefit for the

purposes of lifetime income, which can be accessed after the 5th

contract year.

EWB Factor = 105%

1.35%(0.25% min)

$10,000

Additional premium accepted in first year

10% each year after first year of total premiums

paid

RMD penalty free if taken in December or

monthly throughout the year.

6 years8.5,8,7,6,5,4


Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken

over a period of at least five years.

No Cost Riders:Nursing Home

Flexible Annuity Option

Additional Cost Riders:Flexible Withdrawal Benefit Rider

Death Benefit Rider

Annuitization without penalty after 5th contract year.

Option AYear 1

3.75% to 752.25% 76-80

Option BCall office for trail

commission details.

Chargeback for death, Alternate

Annuitization Option III, or surrender in

the first year.

100% first6 months

50% months7-12

Monthly Cap(NASDAQ 100)

1.80%(0.50% min)

Monthly Cap(S&P 500)

1.70%(0.50% min)

Monthly Cap(Euro STOXX 50)

1.80%(0.50% min)

Annual Pt-to-Pt(NASDAQ 100)

2.75%(0.50% min)

Annual Pt-to-Pt(S&P 500)

2.75%(0.50% min)

Annual Pt-to-Pt(Euro STOXX 50)

3.00%(1.00% min)

Annual Pt-to-Pt(Blended Index)

2.75%(1.00% min)

Monthly Average(Blended Index)

3.50%(12.00% max)


Endurance Plus

Includes a built-in income rider. Account value is

enhanced by a 20% premium bonus plus 105%

interest after 5th year. Several income options

available.

All these benefits are without any cost to the

client.

*S&P 500 Select Allocation charge is

1.00%.

SPDA

(Additional premiums accepted in first 3

years.)

20%of all premiums applied in the first 3 years - credited

to the Enhanced Withdrawal Benefit for the

purposes of lifetime income, which can be

accessed after the 10th contract year.

EWB Factor = 105%

1.45%(0.50% min)

$10,000

Additional premium accepted in first three years


paid



10 years10,10,10,8.75,7.50,6.25,5.00,3.75,2.50,1.25


Full account value at death of owner, or the Enhanced Withdrawal Benefit Value if taken

over a period of at least five years.




Death Benefit Rider


Option AYear 1

7.00% to 755.00% 76-80

Years 2-33.50% to 752.50% 76-80

Option BCall office for trail

commission details.

Chargeback for death or surrender in

the first year.

100% first6 months

50% months7-12


2.10%(0.50% min)


2.00%(0.50% min)

Monthly Cap(S&P 500 Select)*

2.50%(0.50% min)

Monthly Cap(FTSE 100)

2.10%(0.50% min)


3.50%(1.00% min)


3.50%(1.00% min)

Annual Pt-to-Pt(S&P 500 Select)*

5.50%(1.00% min)

Annual Pt-to-Pt(FTSE 100)

3.75%(1.00% min)


3.50%(1.00% min)


3.50%(12.00% max)


1.35%(0.50% min)

10% each year, including first year, of total premiums paid



5 years8,7,6,5,4

The contract's full account value is available as a lump sum or as income

payments.



Death Benefit Rider

Annuitization without penalty after 1st

contract year if payout option is a minimum of

10 years.

3.25% 0-752.00% 76-801.00% 81-85



the first year.

100% first6 months

50% months7-12

Annual Pt-to-Pt(Barclay's Capital)

1.90%(6.00% max)

Annual Pt-to-Pt(PIMCO US Advantage)


FPDA

(Additional premiums accepted in first 5 contract years.)

3%on all premiums received

during the first five contract years

1.20%(0.50% min)

87.5% @1.65%

(1.00% after first 10 years)

*2.00% in SC for all years

$15,000

Additional premium accepted in first 5 contract years

10% each year after first year of total premiums paid (*Unemployment

benefit* additional 10% free withdraw once in

the lifetime of contract)



10 years15,15,15,15,12.86,10.71,

8.57,6.43,4.29,2.14


The greater of the full account value or

guaranteed minimum value at the death of the

owner, in a lump-sum payment or income

payments



Additional Cost Riders:Income Plus Benefit

Flexible Withdrawal Benefit Rider

Death Benefit Rider


Option AYear 1

7.00% to 755.00% 76-80

Years 2-53.50% to 752.50% 76-80

Option BCall office for commission details containing trails.



the first year.

100% first6 months

50% months7-12


1.70%(0.50% min)


1.70%(0.50% min)

Monthly Sum Cap(FTSE 100)

1.80%(0.50% min)


2.75%(1.00% min)


2.75%(1.00% min)


2.75%(1.00% min)


2.75%(1.00% min)


3.50%(12.00% max)


FPDA



during the first five contract years

1.55%(0.50% min)

$15,000

Addl prem accepted in first five contract years.

10% each year, after first year, of total

premiums paid. There are no penalties as long

as the money is withdrawn after the contract anniversary following your last premium payment.



5 year deferral followed by Annuitization over at

least 10 years, OR

5 year deferral followed by 10-year interest only payments, then you may take the remaining lump

sum


The greater of the full account value or

guaranteed minimum value at the death of the

owner, in a lump-sum payment or income

payments (if death occurs during deferral).

No Cost Riders:

Systematic Withdrawal Benefit

Systematic Withdrawal of Credits

Nursing Home



Death Benefit Rider


Option AYear 1

7.00% to 755.00% 76-80

Years 2-53.50% to 752.50% 76-80




the first year.

100% first6 months

50% months7-12


2.00%(0.50% min)


2.00%(0.50% min)

Monthly Cap(FTSE 100)

2.00%(0.50% min)


3.50%(1.00% min)


3.50%(1.00% min)


3.75%(1.00% min)


3.50%(1.00% min)


3.50%(12.00% max)


Carrier & Rate Lock Rate Lock Period Product Name Index Method Caps MVA WaiversRate

EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


Allianz 7/22/2013 MasterDex X


No 87.5% @ 1.95% 0-80 $1MM

100% None

100% None

100% None

100% None

100% None

100% None

100% None

100 None

100 None

100% No Cap

American Equity No rate lock period 8/1/2013 FPDA

25% 0.00% None

No 0-80 $5,000

100% 3.00% None

15% S&P annual Pt to Pt 0.00% None

100% S&P annually pt to pt 3.00% None

100% S&P monthly pt to pt 1.45% None

100% 10 US Treas Bond 2.50% None

1.40% Fixed Account 0.00% None


No Cap None

No 0-80 $5,000

100% None

100% None

100% None

No Cap None

100% None

100% None

100% None


American Equity No rate lock period 8/1/2013 FPDA None

No Cap None

No 0-80 $5,000

100% None

100% Dow Annual Monthly None

100% None

No Cap None

100% None

100% None

100% None

Fixed account No Cap None


No Cap None

No 0-78 $5,000

100% None

No Cap None

100% None

100% None


American Equity No rate lock period 8/1/2013 FPDA none

No Cap None

No 0-80 $5,000


FPDA



during the first three contract years, vested over

10 years

1.20%(0.50% min)

$20,000

Additional premium accepted in first three contract years


paid



10 years10,10,10,8.75,7.50,6.25,5.00,3.75,2.50,1.25


The full account value, including both vested and unvested premium bonus at the death of the owner, is available in a lump-sum

payment or income payments



Additional Cost Riders:Simple Income II

Flexible Withdrawal Benefit Rider

Death Benefit Rider


Option AYear 1

7.00% to 755.00% 76-80

Years 2-33.50% to 752.50% 76-80




the first year.

100% first6 months

50% months7-12


1.80%(0.50% min)


1.80%(0.50% min)

Monthly Cap(S&P 500 Select)

2.30%(0.50% min)

Monthly Cap(STOXX 100)

1.90%(0.50% min)


3.00%(1.00% min)


3.00%(1.00% min)

Annual Pt-to-Pt(S&P 500 Select)

1% charge

5.00%(1.00% min)

Annual Pt-to-Pt(STOXX 100)

3.25%(1.00% min)


3.00%(1.00% min)


3.50%

Advantage Gold

Income Rider4.50% no charge

6.50% = .60%, ages 50+

5%on all first year premiums

S&P 500 annual monthly average

84% of 1st year premiums plus 87.5% of any

additional premiums @ 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80

10% annual withdraw after first year

1st yr.may receive systematic withdrawals

of interest and RMD available 30 days after

contract issue

10 years16,15,14,13,11.5,

10,8.5,7,5.5,4


Full account value paid in lump sum at death

Nursing Home Terminal Illness

Optional Lifetime Income Benefit

Available for Annuitants until the age of 75

Can annuitize for full account value as long as life option is chosen or you choose a period

certain option that is double the time

remaining on the original contract.

COMP FOR 3 YEARSYear 1

6.00% to 754.50% 76-80

Year 21.00% to 750.75% 76-80

Year 31.00% to 750.75% 76-80

Additional Premiums Years 2-5

2.75% to 752.06% 76-80

Death or Suicide is charged back 100% in the first month and

reduced by 1/12 each month thereafter.

S&P 500 annual monthly average

Bonus Gold


6.50% = .60%, ages 50+


30% Monthly Average(S&P 500)

80% of 1st year premiums and

premium bonus, plus 87.5% of any

additional premiums after 1st contract yr.

@ 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80

10% each year after first year

Systematic withdrawals of interest and RMD

available immediately from Fixed Account

No withdrawals allowed at all in first year

16 years20,19.5,19,18.5,18,17.5,17,16,15,14,12,10,8,6,4,2


Full account value paid at death in lump sum to

beneficiaries

Nursing Home(NCR-100) no cost, annuitants under age 75 @ issue

Terminal Illness(TIR-100) no cost, annuitants under 75 @ issue







6.00% to 754.50% 76-80

Year 21.00% to 750.75% 76-80

Year 31.00% to 750.75% 76-80


2.75% to 752.06% 76-80



Monthly Average(S&P 500)

3.25%(1.00% min)

Annual Monthly Avg(Dow Jones)

3.25%(1.00% min)

Annual Pt-to-Pt(Dow)

3.25%(1.00% min)

20% Annual Pt-to-Pt(S&P 500)


3.25%(1.00% min)

Monthly Pt-to-Pt(S&P 500)

1.70%(1.00% min)

10-YearU.S. Treasury Bond

2.75%(1.00% min.)

1.50%(1.00% min)

Integrity Gold


6.50% = .60%, ages 50+

10%(10% min)


(MGSV) @ 87.5% of all premiums, less

withdrawal proceeds, @MGIR,

compounded annually

MGIR currently 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80

10% of cv each year after first year

Systematic w/d & RMD immediately from Fixed

Value

Lifetime Income Benefit Rider (LIBR-2010)

6 years8,7,6,4.5,3,1.5


Full account value paid to beneficiaries with no surrender charges at

death








4.13% to 753.09% 76-80

Year 20.68% to 750.51% 76-80

Year 30.68% to 750.51% 76-80


2.75% to 752.06% 76-80




1.00%(1.00% min)

1.00%(1.00% min)

Annual Pt-to-Pt(Dow)

1.00%(1.00% min)

10%(10% min)



1.00%(1.00% min)

Monthly Pt-to-Pt(S&P 500)Dow Jones

1.00%(1.00% min)


1.00%(1.00% min.)

1.00%(1.00% min)

Retirement Gold

Not available in SC.

8%*on all first year premiums,

vested over 14-years, beginning in the 3rd year

Bonus is 100% vested at death and when starting

GMWB.

25%(15% min)


(MGSV) @87.5% of premiums pd, less

withdrawal proceeds, at MGIR

compounded annually

(MGIR) 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80





10 years12.5,12,12,11,10,

9,8,7,6,4


Full account value paid at death

Nursing Home(NCR-100) no charge under age 75 at issue Terminal Illness (TIR-100) no charge under age 75 at issue







6.00% to 78Year 2

1.00% to 78Year 3

1.00% to 78


2.75% to 78




3.00%(1.00% min)

15%(15% min)



3.00%(1.00% min)


1.45%(1.00% min)

1.35%(1.00% min)

Traditions GoldFPDA

50%(35% min)


87.5% of any additional premiums

@ 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80





10 years9,8.25,7.25,6.25,5.25,4.2

5,3.25,2.25,1,0.5, 0%










4.50% to 753.40% 76-80

Year 20.75% to 750.55% 76-80

Year 30.75% to 750.55% 76-80


2.60% to 751.95% 76-80





EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


American Equity No rate lock period 8/1/2013 FPDA none

100% None

No 0-80 $5,000

No Cap None

100% None

100% None

100% None



No Cap None

No 0-80 $5,000

100% None

No Cap None

100% None

100% None

100% None


American General 8/12/2013 SPDA 3%

100% None

Yes 0-75 $20,000 $1MM 8.00% 0-75

No Cap None

No Cap None



100%

None Yes 87.5% @ 1.% $25,000 $1MM

100%

Fixed Account No Cap


100%

None Yes 87.5% @ 1.% 0-85 $5,000 Extended Care Rider100%


American General 8/12/2013 SPDA 4% None Yes 87.5% @ 1.% 0-85 $5,000 Extended Care Rider

American General 8/12/2013 SPDA None


Yes 0-85 $15,000 Extended Care Rider

100% None

80% None

No Cap None

No Cap None

American General 8/12/2013 SPDA None


Yes 0-80 $15,000 Extended Care Rider

100% None

80% None

No Cap None

No Cap None


100% 2.65% None

Yes 100% @ 1% 0-80 $15,000

100% None

Traditions GoldFPDA


@ 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80





10 years9,8.25,7.25,6.25,5.25,4.2

5,3.25,2.25,1,0.5, 0%










4.50% to 753.40% 76-80

Year 20.75% to 750.55% 76-80

Year 30.75% to 750.55% 76-80


2.60% to 751.95% 76-80




4.25%(1.00% min)

30%(25% min)



4.25%(1.00% min)


2.30%(1.00% min)


4.00%(1.00% min.)

2.20%(1.00% min)

Traditions Gold Plus

Only approved in NV, OR, PA, SC, TX, UT, WA, AK,

MN

8%on all first year premiums,

vested over 10 years

25%(15% min)



@ 1.50%

$1,500,000 0-69

$1,000,000 70-74

$750,000 75-80




10 years9,8.25,7.25,6.25,5.25,4.2

5,3.25,2.25,1, 0.5, 0%


Full account value paid at death in lump sum to

beneficiaries








4.50% to 753.40% 76-80

Year 20.75% to 750.55% 76-80

Year 30.75% to 750.55% 76-80


2.60% to 751.95% 76-80




3.00%(1.00% min)

15%(15% min)



3.00%(1.00% min)


1.45%(1.00% min)


2.50%(1.00% min.)

1.35%(1.00% min)

No rate lock period.

Rates are also different in AK, CA, DE, MO, NY, OH, OK, SC. Call our

office for details.

VisionMaximizer

Lifetime Income Builder Rider Avail.

Not available in SC and other states


2.60%(1% min)

87.5% @ 1%10% Free W/D in ALL

years

Annuity Value 5x5

10 years 17,16,15,14,13,10,9,8,7,6

Full account value at death of first owner

Extended Care Rider

Allowed without withdrawal charges of

MVA if after the 5th contract year and is

either life-contingent or for a minimum of 5

years

100% Chargeback in first 12 months for

Annuitization, death or for any full or

partial withdrawals, excluding any free withdraw amounts.

100%(4.40%avg. spread)


24%(10% min )

Adjustable Participation Rate

(S&P 500)

1.35% guaranteed for 5 contract years

(1% min)



office for details.

AG Choice Index 10



5.40%(1% min)

0-75(50-75 if AG

Lifetime Income Plus

Rider is selected)


10 years10,9,8,

7,6,5,4,3,2,1Full account value at death of first owner

Terminal Illness

Extended Care Rider

Annuitization without penalty or MVA if

annuitized after 5th year for life contingent

or at least 5 years.

6.50% 0-704.50% 71-75

100% chargeback in first 6 months, and

50% in months 7-12 for any withdrawals

for any reason, including penalty-

free withdrawals and death.


2.85%(1% min)

2.50% (1% min)



office for details.

Horizon Index 9


Bi-annual***point to point(S&P 500)

12.00%(1% min)

$1MM age 75<$500k ages 75+


9 years10,10,9,8,7,6,5,4,2






9-year term

4.50% 0-752.75% 76-802.50% 81-85






1.90%(1% min)

2.50% for 6 years(1% min)



office for details.

Horizon Index 12


Fixed account is 2.40% for 9 years(1% min)

Same options as the9-year term

11.50%pt to pt1.85% monthly cap $1MM age 75<

$500k ages 75+10% each year after first

year

12 years12,12,12,12,

12,11,10,9,8,7,5,3





12-year term

6.50% 0-754.00% 76-803.00% 81-85







office for details.

VisionAdvantage 7

1.10%(1% min)

87.5% @ 1% $1MM age 75<$500k ages 75+

10% Free W/D in All years

Annuity Value 5x5

Systematic withdrawals available including year

1.

7 years9,8,7,6,5,4,3

Equal to annuity value in a single sum




years

5.50% 0-754.00% 76-85


death or for any full or partial

withdrawals, excluding any penalty-free

amounts.


2.10%(1% min)


2.20%(1% min)

20% Adjustable Participation Rate (S&P 500)

100%(5.00% av spread)




office for details.

VisionAdvantage 9

1.55%(1% min)

87.5% @ 1% $1MM age 75<$500k ages 75+

10% Free W/D in All years

Annuity Value 5x5


1.

9 years10,9,8,7,6,5,4,3,2


Equal to annuity value in a single sum




years

6.50% 0-75 5.00% 76-80

SC 6.00% 0-75SC 4.50% 76-80




amounts.


3.00%(1% min)


3.10%(1% min)

27%(10% min)

Adjustable Participation Rate (S&P 500)

100%(3.80% av spread)




office for details.

Global Bonus Index

GMWB included*


Annual Pt-to-Pt (Global Multiple Index)

$1MM age 75<$500k ages 75+

10% each year including the first year


1.

10 years10,10,10,10,10,9,8,7,6,4


Extended Care Rider




years

5.25% 0-753.00% 76-80



withdrawals, excluding any

penalty-free amounts and 50% in year two.


1.65%(0.5% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



No Cap None

Yes 100% @ 1% 0-80 $15,000


American General 8/12/2013 FPDA None

100% None

No 0-80

100% None

No Cap None


American National No rate lock period. 8/1/2013 ANICO EIA SPDA None None None No $10,000 $1MM

American National No rate lock period. 7/1/2013 SPDA None 50% None None No $1MM

American National No rate lock period. 7/1/2013 SPDA None 100% None None No $1MM

American National No rate lock period. 7/1/2013 Strategy 7 SPDA None

100% None

No 90% @ 1.00% 0-85 $1MM


American National No rate lock period. 7/1/2013 Strategy 10 SPDA None

100% None

No 90% @ 1.00% 0-85 $1MM


Aviva 7/9/2013 Income Preferred Six FPDA None

100% None

Yes 87.5% @ 1.00% 0-80 $1MM

100% None

100% None


Aviva 7/9/2013 Income Preferred Ten FPDA None

100% None

Yes 87.5% @ 1.00% 0-78 $1MM

100% None

100% None


Aviva 7/9/2013 Income Preferred Bonus FPDA

100% None

Yes 87.5% @ 1.00% 0-78 $1MM

100% None

100% None



office for details.

Global Bonus Index

GMWB included*


$1MM age 75<$500k ages 75+



1.

10 years10,10,10,10,10,9,8,7,6,4


Extended Care Rider




years

5.25% 0-753.00% 76-80



withdrawals, excluding any

penalty-free amounts and 50% in year two.

40% Adjustable Participation Rate

(S&P 500)

2.20%(1.00% min)



office for details.

Global 8 Index

GMWB included*no upfront cost

payments can increase with age & higher annuity

value

Annual Pt-to-Pt (Global Multiple Index)

2.80%

87.5% @ 1%

$5,000 initial premium, then $2,000 minimum additional

deposits

After initial premium is met, EFT $100/month

<$5,000EFT min. $300/month

$1MM age 75<$500k ages 75+

10% Free W/D in All years each year

including the first year

8 years8,7,6,5,4,3,2,1



Extended Care Rider

AGL: Annuity Value 5x5USL: Annuity Value 1x5




years

3.50% 0-752.50% 76-80

(yrs 2-5)0-75 1.75%76+ 1.75%




amounts.

*Subsequent commissions based on attained age at time subsequent

premiums are paid.


1.90%(0.5% min)

45%(10% min)

Adjustable Participation Rate

(S&P 500)

2.40%(1.00% min)

Triggered Index Bucket2.50% guaranteed

interest rate each year the S&P is flat or goes

up


90% of premium pd @ MGIR

0-85

Maturity:95 Owner

10% of AV value each year after first year

6 years8,8,7,6,4,2


Nursing Home,

Disability

Terminal Illness

Annuitization after 5th contract year for at

least 5 years.

5.00% to 793.00% 80-85

100% chargeback in first year for any

surrenders

ValueLock 7Lock in gains anytime after

2nd contract year. Annually renewal declared

rate after 7th year.

Term point to point with monthly averaging

(S&P 500)

88.75% of premium @ min. guaranteed

interest rate

0-80

Maturity95 owner

$5,000 NQ$4,000 Q


7 years8,8,7,6,5,4,2

Payable on death of the Owner of the contract.

Amt. of DB will depend on whether death occurs

prior to lock-in, or after.

Nursing Home,

Disability

Terminal Illness

Annuitization allowed without surrender or MVA after 7th year.

6.00% 0-754.00% 76-80


surrenders

ValueLock 10Lock in gains anytime during the index term.

Annually renewable declared rate after 10th

year.

Term point to point with monthly averaging

(S&P 500)

90% of premium @ 1.00% per year

0-80Maturity 95

owner

$5,000 NQ$4,000 Q


10 years12,12,11,10,9,8,7,6,5,3


Nursing Home,

Disability

Terminal Illness

Annuitization allowed without surrender or MVA after 10th year.

10.00% 0-758.00% 76-80


surrenders


1.75%(1.00% min.)

$5,000 NQ$4,000 Q


7 years7,7,6,5,4,3,2

Full account value paid at death of owner

Nursing HomeDisability

Optional:Lifetime Income and Enhanced Death Benefit

Annuitization allowed without surrender penalties after 7th

year.

5.00% 0-754.00% 76-803.00% 81-85

Ask us about trail commission options.

100% chargeback in the first 12 policy months for any withdrawal that

incurs a surrender charge.1.00%

(1.00% min.)


1.75%(1.00% min.)

$5,000 NQ$4,000 Q


10 years9,9,8,7,6,5,4,3,2,1


Nursing HomeDisability

Optional:Lifetime Income and Enhanced Death Benefit

Annuitization allowed without surrender

penalties after 10th year.

8.00% 0-756.50% 76-805.00% 81-85


100% chargeback in the first 12 policy months for any withdrawal that

incurs a surrender charge.1.00%

(1.00% min.)



$75,000+2.00%

>$74,9992.00%

(2.00% min)

$5,000

$1,000 minimum additional premium

Beginning in the first year, up to 5% of the accumulated value.

Starting in the second year, up to 10% of the

prior anniversary's accumulated value may

be taken.

6 Years9,8,7,6,4.7,3.5



Confinement Waiver

Terminal Illness Waiver

Can annuitize full account value after the

first contract year.

Age 0-755.00% year 1

2.50% years 2-3

Age 76-803.50% year 1

1.75% years 2-3

100% Chargeback first 6 months, 50% Chargeback months 7-12 for surrenders.


$75,000+1.25%

>$74,9991.00%

(1.00% min)


$75,000+2.50%

>$74,9992.00%

(1.00% min)

$75,000+1.00%

>$74,9991.00%

(1.00% min)



$75,000+2.50%

>$74,9992.00%

(2.00% min)

$5,000





be taken.

10 Years9.6,9,8,7,6,5,4,3,2,1



Confinement Waiver




Age 0-757.50% year 1

3.75% years 2-5

Age 76-785.50% year 1

2.75% years 2-5



$75,000+1.25%

>$74,9991.00%

(1.00% min)


$75,000+2.50%

>$74,9992.00%

(1.00% min)

$75,000+1.10%

>$74,9991.00%

(1.00% min)


4% on all first year premiums

4% in SC


$75,000+2.50%

>$74,9992.00%

(2.00% min)

$5,000

$1,000 minimum additional premium, up to $100,000 in

any contract year




be taken.

10 Years12,12,12,11,10,9,

8,7,6,5,4

Premium Bonus Recapture

6.5% first 8 years4.6% year 92.3% year 10



Confinement Waiver




Age 0-757.00% year 1

3.50% years 2-5

Age 76-785.00% year 1

2.50% years 2-5



$75,000+1.25%

>$74,9991.00%

(1.00% min)


$75,000+2.50%

>$74,9992.00%

(1.00% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


Aviva 7/9/2013 Income Preferred Bonus FPDA


Yes 87.5% @ 1.00% 0-78 $1MM

Aviva 7/9/2013 Lifetime Solutions Annuity FPDA

100% None

Yes 87.5% @ 1.00% 0-78 $25,000 $1MM100% None


Aviva 7/9/2013 SPDA

50% None

Yes 87.5% @ 1.00% $1MM

50% None

100% None

100% None

100% None

100% None


Aviva 7/9/2013 TargetHorizon15 SPDA

100% None

Yes 87.5% @ 1.00% $1MM

100% None

100% None

100% None

100% None

100% None


Athene Annuity 7/30/2013 Accumulator 5 SPDA None

100% None

Yes 0-80 $10,000 $1MM100% None


Athene Annuity 7/30/2013 SPDA None

100% None

Yes 30-80 $10,000 $1MM100% None


Athene Annuity 7/30/2013 Choice 10 SPDA None

100% None

Yes $1MM


4% on all first year premiums

4% in SC

$5,000

$1,000 minimum additional premium, up to $100,000 in

any contract year




be taken.

10 Years12,12,12,11,10,9,

8,7,6,5,4

Premium Bonus Recapture

6.5% first 8 years4.6% year 92.3% year 10



Confinement Waiver




Age 0-757.00% year 1

3.50% years 2-5

Age 76-785.00% year 1

2.50% years 2-5


$75,000+1.25%

>$74,9991.00%

(1.00% min)


$100,000+4%

on all premiums received in the first year

<$100,0003%



$75,000+2.25%

>$74,9992.25%

(2.00% min) Beginning in the first year, up to 5% of the accumulated value.



be taken.

10 Years12,12,12,11,10,9,

8,7,6,5,4

Vesting Schedule25% year 850% year 975% year 10

100% years 11+


1 X (premium + premium bonus)

Confinement Waiver




Age 0-757.00%

Age 76-785.00%



$75,000+1.20%

>$74,9991.20%

(1.00% min)

$75,000+1.05%

>$74,9991.05%

(1.00% min)


TargetHorizon10Target Horizon10 Select in

AK, SC

$50,000+4%

<$50,0003%

Vesting Schedule:0,0,0,0,0,0,

20,40,60,80,100No Bonus for

Target Horizon10 Select

5-Year No Cap PTP Index

$50,000+3.30%

>$50,9993.30%

(10% max spread)

0-7856-78 in AK,

SC$5,000

Beginning in the second year, up to 5%

accumulated value may be taken.

(0-78)10 Years

10,10,10,10,9,8,7,6,5,4

(56-78)10 Years9.4,8.9,8,

7,6,5,4,3,2,1


Death Benefit Floor Feature:

1% Simple Interest To Your Remaining Premium


Confinement Waiver


Can annuitize after the first year for a

minimum of 8 year certain, and after the 5th contract year the minimum is 5 year

certain.

Target Horizon 10:Age 0-75

6.50%

Age 76-784.50%

Target Horizon 10 Select:Age 56-76

6.50%

Age 76-784.50%



$50,000+3.40%

>50,0003.40%

(10% max spread)

1-Year Multiple Index PTP

$50,000+3.25%

>50,0003.25%

(0.50% min)


$50,000+3.25%

>$50,9993.25%

(0.50% min)


$50,000+1.55%

>$50,9991.55%

(0.25% min)


$50,000+3.60%

>$50,9993.60%

(0.50% min)

$75,000+1.60%

>$74,9991.60%

(0.25% min)


$50,000+7%


<$50,0006%



$50,000+1.85%

>$50,9991.85%

(10% max spread)

0-73

0-50 in AK, SC, NJ

0-64 in FL

0-47 in OH

$5,000 Beginning in the second

year, up to 5% of the accumulated value.

15 Years:15,15,14,13,

13,12,11,10,9,

8,7,6,5,4



Confinement Waiver


Can annuitize after the first year for a

minimum of 8 year certain, and after the 5th contract year the minimum is 5 year

certain.

Age 0-737.00%



$50,000+2.05%

>50,0002.05%

(10% max spread)

1-Year Multiple Index PTP

$50,000+4.35%

>50,0004.35%

(0.50% min)


$50,000+4.30%

>$50,9994.30%

(0.50% min)


$50,000+1.95%

>$50,9991.95%

(0.25% min)


$50,000+5.10%

>$50,9995.10%

(0.50% min)

$75,000+2.00%

>$74,9992.00%

(0.25% min)

60 days from date application is signed


5.00%(1.00% min.)

90% of premiums at 1.00%

10% each year after the first ($500 min.)

Systematic withdrawals can begin after first year

($100 min.)

RMD available immediately

SEPP's

5-Years: 9,8,7,6,5

The greater of the accumulation value or the

minimum guaranteed cash surrender value.

Confinement

Terminal Illness

Available after first 12 months, withdrawal

charges do not apply if a payment option of

income for life is selected. After the first

5 contract years withdrawal charges do

not apply if income payment option with

guaranteed period of at least 5 years is

selected.

3.00% to 751.75% 76-80

Full Surrender and Death:

100% 0-6 months50% 7-12 months

Annuitization:100% first 24 months

Partial Withdrawals:100% 0-6 months

Monthly Cap Additive(S&P 500)

2.20%(0.50% min.)

2.00% (1.00% min.)


Benefit 10

Enhanced Benefit Rider:Premium Bonus: 6.00%

Rollup: 7.50%Rider Cost: 1.40%


3.65%(1.00% min.)

87.5% of premiums at 1.00%



($100 min.)


SEPP's

10-Years: 9,9,8,7,6,5,4,3,2,1



Confinement

Terminal Illness







selected.

6.00% to 753.50% 76-80





Monthly Cap Additive(S&P 500)

2.05%(0.50% min.)

1.70% (1.00% min.)



6.25%(2.00% min.)

87.5% of premiums at 1.00% 0-80

$5,000

5 additional deposits allowed in the first 12 months, credited

to fixed account until next anniversary



($100 min.)


SEPP's

10-Years: 10,10,9.5,9,8,7,6,5,4,2



Confinement

Terminal Illness







selected.

Option A7.00% to 754.00% 76-80


(Different for CA, WA and TX)







EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


Athene Annuity 7/30/2013 Choice 10 SPDA None

100% None

Yes $1MM100% None

100% None


Athene Annuity 7/30/2013 Enhanced Choice 8 SPDA

100% None

$5,000 $1MM

100% None

Yes

100% None

100% None


Athene Annuity 7/30/2013 Enhanced Choice 12 SPDA

100% None

Yes 0-80 $5,000 $1MM

100% None

100% None

100% None


F&G Life 8/1/2013 FPDA None

100%

None No 0-85 $1MM

100%

100%

100% Declared Rate on Gain


F&G Life 8/1/2013 FPDA None

100%

None No 0-80 $1MM

100%

100%



F&G Life 8/1/2013 FPDA

100%

None No $1MM

100% Monthly Average

100%

100%

100%




87.5% of premiums at 1.00% 0-80

$5,000

5 additional deposits allowed in the first 12 months, credited

to fixed account until next anniversary



($100 min.)


SEPP's

10-Years: 10,10,9.5,9,8,7,6,5,4,2



Confinement

Terminal Illness







selected.

Option A7.00% to 754.00% 76-80








3.00%(0.50% min.)

Quarterly AdditivePt-to-Pt -Annually Reset

(Dow Jones)

2.60%(1.00% min.)

Monthly Average(Dow Jones)

5.50%(5.00% min)

2.15% year 1(1.00% min.)


2%on initial deposit only


6.00%(2.00% min.)

87.5% of premiums at 1.00% 0-80

10% of accumulation value after the first year

($500 min.)


($100 min.)


SEPP's

8-Years: 10,9,8,7,6,5,4,2



Confinement

Terminal Illness







selected.

Option A5.50% to 752.50% 76-80








2.60%(0.5% min.)


(Dow Jones)

2.45%(1.00% min.)


5.50%(5% min)

1.65% (1.00% min.)


5%on initial deposit only


5.75%(2.00% min.)




($100 min.)


SEPP's

12-Years: 14,13,12,11,10,

9,8,7,6,5,4,3



Confinement

Terminal Illness







selected.

Option A7.00% to 754.00% 76-80








2.25%(0.50% min.)


(Dow Jones)

2.10%(1.00% min.)


5.50%(5% min)

1.30% (1.00% min.)

60 days from date application is received by

home office.

AccumulatorPlus 10

DE & SC Lite surrender schedule


2.10%(1.00% min)

87.5% @ 1.00% $10,000

($2,000 minimum per bucket)

10% per year of the previous anniversary's

account value

Withdraw up to 4 times per year

Min W/D: $500

Minimum Balance after Withdrawal:

$2,000(per option)

10 years12,11,10,9,8,7,6,5,4,3

Surrender charges in FL, MA, NV, OK, TX & UT

are:9,9,8,7,6,5,3,2,1

Lite StatesSC & DE

9,9,8,7,6,5,4,3,2,1,0


Nursing Home

Terminal Illness

Unemployment

Income for LifeGLMB Rider

6.75% roll-up rate.70% cost

After 5th contract year without penalty

6.50% to 753.50% 76+

Commission varies in MA, NV, OK, UT and TX. Check commission schedule for details.

Lite Commission5.50% to 753.00% 76+

100% first year, 50% year 2 on any

surrenders which exceed the penalty-

free amount or RMD. No chargeback at

death.


4.75%(3.00% min)


4.50%(3.00% min)

3.50%(1.00% min)

2.25%(1.00% min)


home office.

AccumulatorPlus 14

**Not available in FL for ages 65+.

Not Available in SC or DE


2.50%(1.00% min)

87.5% @ 1.00% $10,000


10% per year of the previous anniversary's

account value

Withdraw up to 4 times per year

Min W/D: $500

Minimum Balance after Withdrawal:

$2,000(per option)

14 years14.75, 13.75, 12.75,

11.75, 10.75, 10, 9, 8, 7, 6, 5, 4, 3, 2


Nursing Home

Terminal Illness

Unemployment

Income for LifeGLMB Rider



7.50% to 754.00% 76+




death.


6.00%(3.00%)


5.50%(3.00% min)

4.00%(1.00% min)

2.60%(1.00% min)


home office.

FG Index Choice 10

DE & SC Lite surrender schedule



1.60%(1.00% min)

87.5% of premium plus interest

between 1% and 3%, less

withdrawals

0-85 (NQ)18-85 (Q)

$10,000

($2,000 min per bucket)

Allows additional deposits of $2,000 or more for first year

only.


Systematic w/d of interest or a specific amount allowed after

first year. Min withdraw amount $500.00

10 years

9,9,8,7,6,5,4,3,2,1,0

Lite States9,9,8,7,6,5,4,3,2,1,0


Nursing Home

Terminal Illness

Unemployment

Income for Life(must be elected at issue)GLMB Rider



For Florida:8.00% 0-646.25% 65-753.125% 76-85

All states except:AK,Fl,MA,NV,OH,,

TX,UT, OK8% 0-75

4.00% 76-85

Lite States DE & SC6.25% 0-75

3.125% 76-85




death.

3.25%(3.00% min)


3.00%(3.00% min)

Bi-Annual Pt-to-Pt(S&P 500)

6.25%(3.00% min)

Tri-Annual Pt-to-Pt(S&P 500)

10.00%(3.00% min)

2.25%(1.00%)

1.50%(1.00% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100% 1.60%

None No $1MM

100% 3.50%

100% 3.00%

100%

100%

100% Triggered Index Bucket 2.75%



100%

None No $1MM

100%

100%

100%

100%

100% Triggered Index Bucket



100%

None No $1MM

100%

100%

100%

100%

100% Triggered Index Bucket


F&G Life 8/1/2013 SPDA None 100% None No $1MM 9, 9,8,7,6,5,4,3,0

F&G Life 8/1/2013 SPDA 100% None No $1MM

F&G Life 8/1/2013 SPDA 100% None No $1MM


100%

None No $1MM

100%

100%


home office.

Prosperity Elite 7

DE & SC Lite StatesSee lite surrender

charges & Lite Compensation Schedule

*2.00% to 751.00% 76-85

if the Enhancement Package is elected (cost

= .40 bps)

**4.00% to 752.00% 76-85

if the Protection Package is elected (cost = 1.10bps)

BONUS ONLY ON INITIAL PREMIUM


87.5% @ 1.00% in floating rate states

on indexed accounts

1.00% for fixed option

0-85 (NQ)18-85 (Q)

$10,000NQ or Q


$2,000 min additional premium



first year.

7 years

10,9,8,7,6,5,4

Bonus Vesting Schedule:14%,29%,43%,57%,

71%,86%,100%


Lite State Surrender Charges DE & SC

9,9,8,7,6,5,4,

The greater of the annuity's fully vested

account value, 2) minimum guaranteed

surrender value, or 3) the initial premium plus

premium bonus growing at 5% simple interest up to 10 years or until age

85, whichever occurs first.

Nursing Home

Terminal Illness

Unemployment

Home Health Care

Enhancement Package(Enhanced death benefit)

Protection Package(Income for life, Enhanced death benefit, Double income for LTC)

GLMB Rider6.75% roll-up rate

.70% cost

After 5th contract year without penalty. This

contract will be automatically

annuitized if nothing is done with the policy

after the maturity date.

4.50% to 752.50% 76+

Lite States: DE & SCRemains the Same @ this

time.




death.




8.50%(3.00% min)


12.50%(3.00% min)

1.50%(1.00% min)


home office.

Prosperity Elite 10

DE & SC Lite States See lite surrender charges &

Lite Compensation Schedule

*4.00% to 752.00% 76-85


= .40bps)

**7.00% to 753.50% 76-85




1.75%(1.00% min)


on indexed accounts


0-85 (NQ)18-85 (Q)

$10,000NQ or Q





first year.

10 years12,11,10,9,8,7,6,5,4,3

Bonus Vesting Schedule:Vests at 10% per year for

10 years


Lite State Surrender Charges DE & SC

9,9,8,7,6,5,4,3,2,1,0






Nursing Home

Terminal Illness

Unemployment

Home Health Care




.70% cost





7.00% to 755.50% 76-803.75% 81-85

Lite States: SC & DE6.00% to 75

3.50% 76-803.25% 81-85




death.


3.50%(3.00% min)


3.00%(3.00% min)


8.50%(3.00% min)


12.50%(3.00% min)

2.75%(1.00% min)

1.50%(1.00% min)


home office.

Prosperity Elite 14

DE & SC Lite States See lite surrender charges &

Lite Compensation Schedule

*5.00% to 752.50% 76-85


= .40bps)

**8.00% to 754.00% 76-85




1.75%(1.00% min)


on indexed accounts


0-85 (NQ)18-85 (Q)

$10,000NQ or Q





first year.

14 years14.75,13.75,12.75,11.75,10.75,10,9,

8,7,6,5,4,3,2

Bonus Vesting Schedule:7%,14%,21%,

29%,36%,43%,50%,57%,64%,

71%,79%,86%,93%,100%







Nursing Home

Terminal Illness

Unemployment

Home Health Care




.70% cost





8.00% to 755.50% 76-804.25% 81-85




death.


4.00%(3.00% min)


3.25%(3.00% min)


9.75%(3.00% min)


14.50%(3.00% min)

3.00%(1.00% min)

1.50%(min 1%)

*The Enhancement Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The account value available as a Death Benefit includes 100% of any bonus amounts regardless of the portion vested at that time. The Enhancement Package also consists of a Guaranteed Minimum Death Benefit Rider. At the death of the owner, the value of the GMDB rider is determined to be the greater of: the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever occurs first.

**The Protection Package includes a vested bonus that is credited to the account value at issue, and is split equally to each crediting option elected, and is eligible to earn interest based on the crediting option elected. The bonus amount, plus any interest earned on that amount, vests over the guarantee period selected. The Enhanced Guaranteed Minimum Withdrawal Benefit Rider is designed to provide a guaranteed income amount for life as long as excess withdrawals have not been taken. The guaranteed withdrawal payment amount is a percentage of the Income Base. The Income Base is the greater of: the initial premium, plus 18% bonus, premium growing at 6.75% compounded for no more than 10 years, the Vested Account Value minus surrender charges, and the minimum guaranteed surrender value. The guaranteed withdrawal payment amount is calculated by multiplying the guaranteed withdrawal payment base by the guaranteed withdrawal percentage and is based on the client's age at the time they elect to receive income payments. Income can be based on two people as long as they are joint annuitants and legal spouses. The Protection Package also includes an Enhanced Guaranteed Minimum Death Benefit Rider. At the death of the owner, the beneficiary can choose to receive either: the income base of the Guaranteed Minimum Withdrawal Benefit taken in payouts over at least five years (10 years if the client was age 71 or older at the time the contract was issued) or a Guaranteed Minimum Death Benefit that will be the greater of the annuity's account value, the minimum guaranteed surrender value, or the initial premium plus the premium bonus growing at 5% simple interest up to 10 years or until age 85, whichever comes first. If contract is owned jointly, this benefit is only available upon the death of the first owner.


home office.

Simplicity Elite 7

Not Available in FL

Declared Rate(S&P 500)

2.00%(1.00% min)


on indexed accounts


0-85 (NQ)18-85 (Q)

$10,000NQ or Q


Up to 4 Annual Withdrawals

$500 minimum withdrawal amount






Nursing Home

Terminal Illness

Unemployment

Home Health Care

Guaranteed Minimum Withdrawal Benefit Rider

Guaranteed Minimum Death Benefit Rider


5.00% to 79 4.00% 81-85

100% first year, 50% year 2

( includes any surrenders which

exceed the penalty-free amount or

RMD.) No chargeback at death.


home office.

Simplicity Elite 10

Not Available in FL

5%Vesting Schedule:

10,20,30,40,50,60,70,80,90 ,100


2.00%(1.00% min)


on indexed accounts


0-85 (NQ)18-85 (Q)

$10,000NQ or Q




10,10,10,9, ,8,7,6,5,4,3,0

SC: 9,9,8,7,6,5,4,3,2,1,0






Nursing Home

Terminal Illness

Unemployment

Home Health Care




6.50% to 79 5.50% 81-85






home office.

Simplicity Elite 14

Not Available in FL

7%7,14,21,29,36,43,50,57,64,

71,79,86,93,100


2.00%(1.00% min)


on indexed accounts


0-85 (NQ)18-85 (Q)

$10,000NQ or Q




14,13,12,11,10,9,8,7,6,5,4,3,2,1,0






Nursing Home

Terminal Illness

Unemployment

Home Health Care




7.50% to 79 8.50% 81-85






home office.

AdvanceMark

7%on initial premium.

Vesting Schedule:10,20,30,40,50,60,70,

80,90,100

Step Forward Strategy(S&P 500)

5.00%(5.00% min)



withdrawals

0-75(NQ)18-75 (Q)

$10,000


Allows additional deposits of $2,000 or more (allowed

before current oldest owner reaches age 86)

Additional premiums allocated to the Fixed Interest

Optionand and may be reallocated to an index optoin on contract anniversaries only.

RMD or SEPP can be taken in year one.

Greater of MRD, SEPP or up to 10% each year

after first year

10 years

10,10,10,10,9,8,7,6,4,2,0

Lite States9,9,8,7,6,5,4,3,2,1,0

Greater of full account value at death or MGSV

at death

Nursing Home

Terminal Illness

Unemployment

Income Freedom Rider6.75% roll-up rate

.70% cost(restart available for up to 10 additional years)


7.50% 0-75

Commissions paid on all additional premium prior

to year 4.



free amount or RMD.

100% on annuitization prior to

year 3.



3.00%(3.00% min)


1.60%(1.00% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100%

None No $1MM

100%

100%

None Declared Rate on Gain



100%

None No $1MM

100%

100%

100%

100%

None Declared Rate on Gain



100%

None No $1MM

100%

100%

100%

100%

None


Forethought Life 7/22/2013 Index Bonus 115 SPDA

100%

Yes 87.5% @ 1.00% 0-85 $25,000 $1MM100%


Forethought Life 7/22/2013 SPDA

100%

87.5% @ 1.00% 0-85 $25,000 $1MM

100%


Forethought Life 7/22/2013 Bonus Advantage SPDA

100%

Yes 87.5% @ 1.00% 55-80 $25,000

100%

100%


home office.

AdvanceMark

7%on initial premium.

Vesting Schedule:10,20,30,40,50,60,70,

80,90,100



withdrawals

0-75(NQ)18-75 (Q)

$10,000


Allows additional deposits of $2,000 or more (allowed

before current oldest owner reaches age 86)

Additional premiums allocated to the Fixed Interest

Optionand and may be reallocated to an index optoin on contract anniversaries only.

RMD or SEPP can be taken in year one.

Greater of MRD, SEPP or up to 10% each year

after first year

10 years

10,10,10,10,9,8,7,6,4,2,0

Lite States9,9,8,7,6,5,4,3,2,1,0


at death

Nursing Home

Terminal Illness

Unemployment

Income Freedom Rider6.75% roll-up rate

.70% cost(restart available for up to 10 additional years)


7.50% 0-75


to year 4.



free amount or RMD.


year 3.



3.00%(3.00% min)

Bi-Annual Monthly Average(S&P 500)

7.00%(6.00% min)

Tri-Annual Monthly Average

(S&P 500)

6.00%(18% max spread)

2.50%(1.00%)

1.55%(1.00% min)


home office.

AmeriMark Freedom Series

Freedom: 0Freedom SE: 4%

Freedom 7: 0Freedom 7 SE: 4%


Freedom: 7.00%Freedom SE: 7.00%Freedom 7: 5.00%

Freedom 7 SE: 5.00% (5.00% min)



withdrawals

0-85

0-64 in FL on 12 year products

$3,000 Q$5,000 NQ

Allows additional deposits of $2,000 or more (before

current oldest owner reaches age 86)

Greater of MRD, SEPP or up to 10% each year,

including first year

12 Year: Freedom:

13.5,12.5, 11.5, 10.5,10,9,,8,7,6,5,4,2

Freedom SE: 13.75,12.75, 11.75, 11,10,9,,8,7,6,5,4,2

7 Year:Freedom 7: 9,8,7,6,5,4,3

Freedom 7 SE:9,9,8,7,6,5,4


at death

Confinement

Income Freedom Rider(not available for non-bonus products)


(restart available for up to 10 additional years)

Join payouts allowed on Q and NQ

Checkbook Access

Systematic Income Option


Freedom: 0-75: 7.00%76-85: 3.75%

Freedom SE:0-75: 7.00%76-85: 3.75%

Freedom 7: 0-75: 4.50%76-85: 2.50%

Freedom 7 SE: 0-75: 4.50%76-85: 2.50%

Based on issue age of oldest owner



free amount or RMD.


year 3.




Freedom 7 SE: 3.00% (3.00% min)



Freedom 7 SE: 1.60% (1.00% min)

Bi-Annual Monthly Average(S&P 500)


Freedom 7 SE: 7.00% (6.00% min)


(S&P 500)


Freedom 7 SE: 5.00% (18% max spread)


Freedom 7 SE: 2.50% (1.00%)


Freedom 7 SE: 1.55% (1.00% min)


home office.

SpectraMark Series 3% Up front bonus on year 1

premiums


5.75% (5.00% min)



withdrawals

0-85 NQ18-85 Q

$10,000($2,000 minimum per crediting

option)

Allows additional deposits of $2,000 or more (before

current oldest owner reaches age 86)

Additional premiums will be allocated to the fixed option and may be reallocated on contract anniversaries only

RMD or SEPP allowed in year 1.

Greater of MRD, SEPP or up to 10% each year,

after first year.

4 withdrawals allowed per year with $500

minimum per withdrawal.

SpectraMark: 14,13,12,11,10,8,6,4,2,1,

0

SpectraMark LT:9,9,8,7,6,5,4,3,2,1,0


at death

Under Legacy Rider:Lump sum payout is

greater of total account value, MGSV, or initial premium plus bonus growing at 5% simple

interest.

Nursing HomeTerminal IllnessUnemployment

Home Health Care

Value Riders:Combined Cost: 1.10%

Legacy Rider Income Security Rider:

Income Base is greater of Initial Premium plus 18% income base bonusOR

Initial premium plus compound roll-up rate for up to 10 years-6.75% roll-up rate ;6.50% in FL

Enhanced payment if impaired in 2 of 6 ADLsAutomatic step-ups

Restart available for up to 10 additional yearsRiders and subject to state availability and certain restrictions may apply

SpectraMark: 0-75: 8.00%76-85: 4.00%

SpectraMark LT:0-75: 6.25%76-85: 3.13%


to year 4.



free amount or RMD.


year 3.



3.50% (3.00% min)


1.85% (1.00% min)


3.75% (3.00% min)


(S&P 500)

4.00% (18% max spread)

Declared Rate on Gain 3.50% (1.00%)

2.10% (1.00% min)

45 days from date application is signed.

15%added to the income

account value only, plus 6% minimum compounded roll-up interest rate for up

to 10 years

(This is not an optional rider, but is built into the

contract for a .95% charge.)


$250K+2.00%

$100K-$249K2.00%

$25K-$99K1.75%

(0.50% min)

1.25%Optional Death Benefit

Rider

.95%Annual Guaranteed

Lifetime Income Benefit Plus

Clients can elect Guaranteed Lifetime

Annual Income any time after issue (must be 59 1/2 and older) for both

new and existing business

10% of the beginning contract value each year

after first year

RMD (any imposed amount by the IRS)

10 years12,12,11,10,9,8,7,6,4,2


Optional Rider: Guarantee your death

benefit is equal to no less than the initial premium

increasing by 5% of premium less

withdrawals, at the end of each year, until the 10th contract anniversary or

until age 85

Nursing Home

Terminal Illness

Guaranteed Lifetime Income Benefit Plus Rider (0.95% cost)

Increased Death Benefit Guaranteed Rider (1.25% cost)

After 5th contract year without penalty if

choose a payout option of at least 5 years

certain.

8.00% to 755.50% 76-85

Commissions are reduced by 1.00% in the states of AK, CT, DE, FL, MN, OH,

OR, SC, TX and UT

100% Chargeback for death or any

withdrawals in the first year. 0-12

months) (any age ages)


$250K+4.00%

$100K-$249K4.00%

$25K-$99K3.50%

(0.50% min.)

$250K+2.00%

$100K-$249K2.00%

$25K-$99K1.75%

(1.00% min)


Income 125+

Pending in: IL,MD, MN

Not Available:AK, NY,OR,WA

Original Income 125 still available in States listed

above



to 10 years


$250K+4.00%

$100K-$249K4.00%

$25K-$99K3.50

(min 3%)

Original Income 125:No charge for lifetime

guaranteed income

Income 125+:annual charge of .55bps for

guaranteed lifetime income benefit

Optional Death Benefit Rider

1.10% on original

on New 125+ 1.25% (has additional

feature)

NoOn Original

New 125+ has MVA on Surrenders

New Income 125+Lifetime income available day 1.

Guaranteed Lifetime Income may be elected at any time after issue

(must be 59 1/2 or older)

10% of the beginning contract value each year

after first year

RMD (any imposed amount by the IRS)

10 years12,12,11,10,9,8,7,6,4,2






until age 85

Nursing Home

Terminal Illness

Death Benefit Rider (1.10% cost)



certain.

7.00% to 755.00% 76-85

Commissions are reduced by 1.00% in the states of AK, CT, DE, FL, MN, OH,

OR, SC, TX and UT.


withdrawals in the first year (0-

12months). (any age)


$250K+2.00%

$100K-$249K2.00%

$25K-$99K1.75% (min.50%)

$250K+2.00%

$100K-$249K2.00%

$25K-$99K1.75%

(1.00% min)(1.00%)




to 10 years


2.50%(2.00% min.)

0.95% (Annual Optional Income Benefit Charge)

$1MM max ages 55-75

$500K max ages 76-80

Original Income 12510% of beginning-of-

year contract value each year after first year

10 years10,10,9,9,8,

7,6,5,4,2






until age 85

Nursing Home

Terminal Illness




certain.

7.00% to 755.00% 76-80

Commissions are reduced by 1.00% in the states of

AK, DE, MD, OH,OK., MN, OR, SC, TX and UT.



12months) (any age).

Monthly Pt-to-Pt w/ Cap(S&P 500)

0.75%(.50%min)

Monthly Average w/ Cap(S&P 500)

2.50%(2.00% min.)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


Forethought Life 7/22/2013 Bonus Advantage SPDA

0.75% Fixed Account No Cap

Yes 87.5% @ 1.00% 55-80 $25,000

Genworth 7/1/2013 SPDA None

100% None

Yes $25,000 $1MM

100% None

100% None

No Cap None

No Cap None

Genworth 7/1/2013 SPDA None

100% None

Yes $25,000 $1MM

100% None

100% None

No Cap None

No Cap None




to 10 years

0.95% (Annual Optional Income Benefit Charge)

$1MM max ages 55-75

$500K max ages 76-80

Original Income 12510% of beginning-of-

year contract value each year after first year

10 years10,10,9,9,8,

7,6,5,4,2






until age 85

Nursing Home

Terminal Illness




certain.

7.00% to 755.00% 76-80

Commissions are reduced by 1.00% in the states of

AK, DE, MD, OH,OK., MN, OR, SC, TX and UT.



12months) (any age).

(Optional) Guaranteed Lifetime Income Benefit: Purchased at the time of Bonus Advantage annuity application (annual charge 0.95% of the Income Base and is deducted from the Contract Value at the beginning of each contract year). The Income Base is a value used to determine the amount of money that's available for guaranteed lifetime income payments. At issue, the Income Base is equal to the premium paid plus the 5% Premium Bonus. The Income Base grows at a 5% compound rate at each Contract Anniversary until the earliest of the tenth contract anniversary, age 85 or until the income start date. At the end of the tenth contract year, if the oldest Owner is not yet 80, the Income Base growth may be extended. The Income Base will continue to grow at 6% compounded annually, until the earliest of the end of contract year 20, age 85, or until the income start date. Clients can elect income payments anytime after issue.


Secure LivingIndex 5

Optional Income Protection Rider = .80

bps.


Annual CapMax(Year 1)

Rates shown below are banded as follows:

$25,000 - $49,999$50,000 - $99,999

$100,000 - $249,999$250,000+

Monthly Cap

1.40%, 1.80%, 2.00%, 2.10%

(0.50% min. yr 1-7)(0.25% min. yr 8+)

Annual CapMax

3.25%, 4%, 4.50%, 4.70%3.00% CapMax Multiplier

(Minimum renewal: 1%)

104% of premium less adjustment for withdrawals and/or

applicable rider fees.

0-85

10% each year after the first


5-Years: 9,9,8,7,6,

Full account value paid at death of owner NA

Can annuitize after the first year.

Payout Options:Life income with period certain of 10, 15 or 20

years

Joint life and survivor income with 10 year

period certain

Option A3.00% to 752.00% 76-801.00% 81-85

100% Chargeback in months 0-12 for Full

or Partial Withdrawals and

Surrenders

100% chargeback if death is in the first 6 months with an issue

age of 76 or older


3.25% - $25,000 - $49,999(2.75% bailout)

4.00% $50,000 - $99,999(3.50% bailout)

4.50% $100k - $249,999(4.00% bailout)

4.70% $250k+(4.20% bailout)

(1.00% min. )

Performance Trigger(S&P 500)

2.75%, 3.40%, 3.80%, 4.00%

(1.00% min.)

1.25%1.50%1.75%1.85%

(1.00% min.)

5-Year Fixed Strategy(Available for new

allocation in the first year.)

1.00%1.05%1.10%1.15%

(1.00% min.)

1-Year Fixed Strategy(NOT available for

allocation in first year. Only available beginning in

year 2.)


Secure LivingIndex 7


bps.



2.05%>$99,9992.25%> $249,0002.35% $250,000+

(0.50% min. yr 1-7)(0.25% min. yr 8+)

5.25%>$99,9995.75%>249,999

5.95% $250,000+Year 2

3.00%>$99,9993.00%>249,999

3.00% $250,000+

107% of premium less adjustment for withdrawals and/or

applicable rider fees.

0-85



7-Years: 9,9,8,7,6,5,4


Nursing Home Waiver

Available after 1st contract year. Must be confined 30 consecutive days in a medical care facility. Free withdrawal increases from 10% to 20%.



years


period certain

To optimize competitiveness &

reward those waiting at least 10 years before

beginning to take income, See details on SecureLiving Index 7

Optional Income Protection Rider

Option A4.50% to 753.00% 76-801.50% 81-85




Surrenders


age of 76 or older


5.25%>$99,999(4.75% bailout)

5.75%> $249,000(5.25% bailout)

5.95% $250,000+(5.45% bailout)(1.00% min. )


4.25%>$99,9994.75%> $249,0004.95% $250,000+

(1.00% min.)

2.10%>$99,9992.35%> $249,0002.45% $250,000+

(1.00% min.)

7-Year Fixed Strategy(Available for new

allocation in the first year.)

1.00%>$99,9991.25%> $249,0001.35% $250,000+

(1.00% min.)

1-Year Fixed Strategy(NOT available for

allocation in first year. Only available beginning in

year 2.)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


Genworth 7/1/2013 SPDA

100% None

Yes $25,000 $1MM

100% None

100% None

No Cap None

No Cap None

Great American No rate lock period 8/7/2013 American Legend II FPDA None


No 100% @ 1.00%

100% None

100% None

100% None

Great American No rate lock period 8/7/2013 American Valor 10 FPDA


No 100% @ 1.00%100% None

100% None

Great American No rate lock period 8/7/2013 Safe Outlook SPDA None


No 90% @ 1.00%

100% None

100% None

Great American No rate lock period 8/7/2013 SPDA None


No 100% @ 1.00%100% None

100% None

ING USA 8/17/2013 FPDA None

None

No 87.5% @ 1.00% $1MM

100% None

100% None

100% None



Secure LivingIndex 10 Plus


bps.

4% of initial single premium



1.95%>$99,9992.15%> $249,0002.25% $250,000+

(0.50% min.yr 2-10, .25% min yrs. 11+)

4.00%>$99,0004.50%>249,999

4.70% $250,000+Year 2

3.00%>$99,0003.00%>249,999

3.00% $250,000+

Contract value at the end of the term. 0-80



(For qualified contracts)

10-Years: 9,9,8,7,6,5,4,3,2,1


***Medical Care Facility

***Nursing Home



years


period certain

To optimize competitiveness &

reward those waiting at least 10 years before

beginning to take income, Pls see details

on Optional Income Protection Rider

Option A6.00% to 754.00% 76-80




Surrenders


age of 76 or older


4.00%>$99,999(3.50% bailout)

4.50%> $249,000(4.00% bailout)

4.70% $250,000+(4.20% bailout)(1.00% min. )


3.30%>$99,9993.80%> $249,0004.00% $250,000+

(1.00% min.)

1.65%>$99,9991.90%> $249,0002.00% $250,000+

(1.00% min.)

10 Year Fixed Strategy

Available for new allocation in 1st year

1.00%>$99,9991.25%> $249,0001.35% $250,000+

(1.00% min.)

1 Year Fixed Strategy

Not available for new allocation in 1st year

1.75%(1.00% min)

18-85 Q0-85 NQ

$10,000

Additional Deposits$2,000 (Q)

$5,000 (NQ)

$750K 18-79$500k 80+


7 yearsIssue Ages 0-5712,11,10,9,8,7,6

Issue Ages 58-859,8,7,6,5,4,3


Extended Care

TerminalIllness

Annuitization using full account value after first

contract year if annuitized for at least 5

years.

4.75% to 753.25% 76-802.25% 81-85

100% Chargeback for Annuitization in

the first year.50% Chargeback for

death in the first 6 months.



50% Chargeback in months 7-12


6.25%(1.00% min)


5.75%(1.00% min)


2.25%(1.00% min)

2%on all premiums for 3 years

1.00%(1.00% min)

18-85 Q0-85 NQ

$10,000

Additional Deposits$2,000 (Q)

$5,000 (NQ)

$750K 18-79$500k 80+


10 years10,9,8,7,6,5,4,3,2,1


Extended Care

TerminalIllness

Annuitization using full account value if

annuitized for income payout periods of

seven years or life, or under the income for a

fixed period, not to exceed life expectancy

option.

5.00% to 753.65% 76-801.65% 81-85

Call for details on commission in years 2-5

ANNUITIZATION100% first year

DEATH100% months 0-6

PARTIAL W/Ds100% month 0-650% months 7-12

FULL SURRENDER100% first year


5.50%(1.00% min)


5.25%(1.00% min)

1.50%(1.00% min)

18-85 Q0-85 NQ

$10,000additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q)

$5,000(NQ)

$750K 18-79$500k 80+


6 years9,8,7,6,5,4


Extended Care

TerminalIllness

Account value used for income payout periods

of 10 years or life at any time during 10

year period.

3.50% to 752.60% 76-801.70% 81-85





FULL SURRENDER100% months 0-650% months 7-12


5.25%<$100K(4.75% Bailout)5.50% $100K+(5.00% Bailout)

(1.00% min)


5.00% <$100K(4.50% Bailout)5.25% $100K+(4.75% Bailout)

(1.00% min)

Safe ReturnWith Guaranteed Return

of Premium Rider and Cap Rate Bailout Provision

1.10%(1.00% min)

18-85 Q0-85 NQ

$25,000additional purchase payments accepted in first 2 months of contract; minimum $2.000(Q)

$5,000(NQ)

$750K 18-79$500k 80+


10 years10,9,8,7,65,4,3,2,1


Extended Care

TerminalIllness

IncomeSustainerIncomeSustainer Plus

IncomeSecure

Account value used for income payout periods

of 10 years or life at any time during 10

year period.

5.50% to 754.50% 76-801.50% 81-85





FULL SURRENDER100% first year


5.00%(4.50% Bailout)

(1.00% min)


4.50%(4.00% Bailout)

(1.00% min)

45 days from the date the transfer paperwork is sent by the home office

Secure Index 5

With optional Return of Premium Rider

Ask us about reduction in caps for adding ROP rider.

When ROP is selected for this annuity, the Income

Protector Benefit may not be chosen. Client's may not have both ROP and IncomeProtector riders

simultaneously.

$75,000+3.50% multiplier

$15,000 - $74,9992.00% multiplier

Interest Rate Benchmark(S&P 500)

Receive up to 3.5x the 3-month LIBOR annual

positive gains

10%(0% minimum)

0-80at time of

issue

$15,000

$50 additional deposits


Interest in 30 days from the fixed account

5 years8,7.5, 6.5,5.5, 4.5



Nursing Home& Terminal Illness Waivers

Available after first contract anniversary for owner confinement.

After 1st contract year without penalty

Option A3.15% to 76 on 1st yr

premiumswith no trail

1.57% years 2-4with no trail

Option B2.02% to 76 w/.22% trail

1.01% years 2-4plus .22% trail

Option C & D0.90% to 76w/. 45% trail

.45% years 2-4plus .45% trail

Reduced by .25% for issue ages 76 and older

Chargeback for any withdrawals in the

first year.

100% firstsix months

50% months7-12


For contracts with the ING

IncomeProtector Withdrawal Benefit rider, chargebacks

will not apply to withdrawals

designated as maximum annual

withdrawals (MAW).


$75,000+4.00%

$15,000 - $74,9993.50%

(0% min)


$75,000+3.50%

$15,000 - $74,9993.00%

(0% min)


$75,000+1.30%

$15,000 - $74,9990.90%

(0% min)

1.50%(1.00% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


ING USA 7/17/2013 Secure Index 7 FPDA None

None

No 87.5% @ 1.00%

100% None

100% None

100% None


ING USA 7/17/2013 SPDA

None

Yes 87.5% @ 2.00% $15,000 1MM

100% None

100% None

100% None


ING USA 7/17/2013 Envoy 9 FPDA None

100% None

Yes 87.5% @ 1.00% 0-80 1MM


Lincoln Financial 7/1/2013

1.00% Fixed Account No Cap None

Yes 100% @ 1.00% 0-85 2MM

100% None

100% None

100% None

Lincoln Financial 7/1/2013 FPDA


Yes 100% @ 1.00% 0-80 2MM

100% None

100% None

100% None

Lincoln Financial 7/1/2013 Lincoln New Direction 6 SPDA None


Yes 100% @ 1.00% 0-85 $10,000 2MM100% None

100% None

Lincoln Financial 7/1/2013 Lincoln New Direction 8 SPDA None


Yes 100% @ 1.00% 0-85 $10,000 2MM100% None

100% None

Lincoln Financial 7/1/2013 Lincoln OptiChoice 5 FPDA None


Yes 100% @ 1.00% 0-85 2MM

100% None



$15,000 - $74,9994.00% multiplier



positive gains

10%(0% minimum)

0-80at time of

issue

$15,000

$50 additional deposits

1MM



7 years10,10,10,10,9,8,7



Nursing Home& Terminal Illness Waivers

Available after first contract anniversary for owner confinement.

After 1st contract year without penalty

Option A4.50% to 76 on 1st yr

premiumswith no trail

2.47% years 2-5with no trail

Option B4.05% to 76 w/.09% trail


Option C3.37% to76 w/.22% trail


Option D1.12% to 80w/ .67% trail

.61% years 2-5plus .67% trail



first year.


50% months7-12






withdrawals (MAW).


$75,000+5.50%

$15,000 - $74,9994.50%

(0% min)


$75,000+4.75%

$15,000 - $74,9994.30%

(0% min)


$75,000+1.70%

$15,000 - $74,9991.30%

(0% min)

2.00%(1.00% min)


Secure IndexOpportunities Plus

5%of the single premium


$15,000-$74,9992.25% multiplier



positive gains

10%(0% minimum)

0-80at time of

issue

0-75 in IN



10 years10,10,10,10,9,8,7,6,5,4

Bonus Recapture:100% years 1 and 280% years 3 and 460% years 5 and 640% years 7 and 820% years 9 and 10

Full account value paid at death of annuitant

(or owner, if not related)

Nursing Home & Terminal Illness Waivers(owner)

Available after 5th contract year using full

account value

Option A6.30% to 76with no trail

Option B4.95% to 76

plus .22% trail

Option C2.70% to 76

plus .60% trail

Option D2.25% to 76

plus .67% trail



first year.


50% months7-12






withdrawals (MAW).


$75,000+3.25%

$15,000 - $74,9992.50%

(0% min)


$75,000+2.75%

$15,000 - $74,9992.00%

(0% min)


$75,000+1.40%

$15,000 - $74,9991.00%

(0% min)

1.50%(1.00% min)


Annual Point-to-Point CapBlended S&P 500 & Euro

Stoxx 50

$75,000+3.75%

$15,000 - $74,9993.00%

(0% min)

$15,000 NQ$10,000 Q


(No minimum premium per strategy.)


9 Years:9,9,9,9,8,7,6,5,4

Free out at end of initial guarantee period

Contract Surrender Charges - no rolling

surrenders.


minimum guaranteed contract value at death of

owner

Nursing Home & Terminal Illness Waivers(owner)

Available after first contract year using

CASH SURRENDER VALUE, not full account value

Option AYears 1-3:5.40% 0-76

no trailYears 4-5:2.70% 0-76

no trailReduced by .25% for

issue ages 76 and older

Call office for trail options.


first year.


50% months7-12






withdrawals (MAW).

1.25%(1.00% min)

45 days from the date the application is signed

Lincoln OptiPoint 8

3.00% (yrs 1-3)$100K+

2.00% (yrs 1-3)<$100K

on all premiums deposited for first 3 years

$5,000 NQ $2,000 Q

$50 Additional Premiums


8 years:9,8,7,6,5,4,3,2


surrenders.

The greater of the full account value at death of owner or the guaranteed minimum non-surrender

value.

Nursing Home

Terminal Illness

Annuitize at the end of the fifth contract year the full contract value

without surrender charges or MVA. Can select a wide choice of

income payment options, including life.

5.50% 0-753.60% 76-801.75% 81-85

100% chargeback for any surrenders or withdrawals in the

first year after issue.

No chargeback under death claim.

Performance Triggered Specified Rate

1.70%(2.50% min.)


5.00%(3.00% min.)

Bi-Annual Monthly Cap(S&P 500)

2.05%(1.00% min.)


Lincoln OptiPoint 10

4.00% (1-4yrs)$100K+

3.00%(1-4yrs) <$100K

on all premiums deposited for first 4 years

$5,000 NQ $2,000 Q



10 years:10,9,8,7,6,5,4,

3,2,1



value.

Nursing Home

Terminal Illness




6.50% 0-754.35% 76-80





1.70%(1.25% min.)


5.00%(3.00% min.)

Bi-Annual Monthly(S&P 500)

2.05%(1.00% min.)


1.10% <100K1.25% 100K+


6 years:9,8,7,6,4.75, 3.5


value.

Nursing Home

Terminal Illness

Annuitize at the end of the second contract year the full contract

value without surrender charges or MVA. Can select a wide choice of


3.00% 0-752.35% 76-801.50% 81-85

Chargeback on Full or Partial Surrenders

(Excluding free partial withdrawals)

100% first6 months

50% months7-12


(S&P 500)

1.85% <100K2.15% 100K+(1.25% min.)


5.00% <100K5.25% 100K+(3.00% min.)


1.15% <100K1.30% 100K+


8 years:9,8,7,6,4.75, 3.5,2,0.75


value.

Nursing Home

Terminal Illness

Annuitize at the end of the second contract year the full contract

value without surrender charges or MVA. Can select a wide choice of


4.00% 0-753.10% 76-802.00% 81-85

Chargeback on Full or Partial Surrenders

(Excluding free partial withdrawals)

100% first6 months

50% months7-12


(S&P 500)

2.00% <100K2.25% 100K+(1.25% min.)


5.00% <100K5.45% 100K+(3.00% min.)


1.00% <100K1.00% 100K+

$5,000 NQ $2,000 Q



5 years:9,8,7,6,5



value.

Nursing Home

Terminal Illness




4.50% 0-753.35% 76-802.25% 81-85





(S&P 500)

1.70% <100K1.70% 100K+(1.25% min)



EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100% None

Yes 100% @ 1.00% 0-85 2MM

100% No Cap



Yes 100% @ 1.00% 0-85 2MM

100% None

100% None

100% No Cap



100% @ 1.00% 0-80 2MM

100% None

100% None

100% No Cap

Lincoln National Indexed Annuities are issued only on the 1st, 8th, 15th, and 22nd of each month. Interest is not credited to the account between the date the premium is received and the date the policy is issued.

North American 8/1/2013 FPDA

100% 2.45% None

Yes 0-79 $3MM

100% 2.20% None

100% 2.40% None

100% 2.05% None

100% 2.00% None

100% 2.00% None

100% 2.05% None

100% 2.00% None

100% 2.00% None

100% 2.35% None

100% None

100% Hindsight Index 2.00% None



100% 2.80% None

Yes 0-79 $3MM

100% 2.45% None

100% 2.70% None

100% 2.30% None

100% 2.25% None

100% 2.15% None

100% 2.30% None

100% 2.10% None

100% 2.20% None

100% 2.65% None

100% None


1.25% Fixed Account No Cap None 1%


100% 3.50% None

Yes 0-75 $3MM

100% 3.00% None


$5,000 NQ $2,000 Q



5 years:9,8,7,6,5



value.

Nursing Home

Terminal Illness




4.50% 0-753.35% 76-802.25% 81-85





1.15% <100K1.15% 100K+(1.00% min.)


6.65% <100K6.65% 100K+(9.00% max)


1.05% <100K1.05% 100K+

$5,000 NQ $2,000 Q



7 years:9,8,7,6,5,4,3



value.

Nursing Home

Terminal Illness




5.50% 0-754.10% 76-802.75% 81-85





(S&P 500)

1.80% <100K1.80% 100K+(1.25% min)


1.20% <100K1.20% 100K+(1.00% min.)


6.45% <100K6.45% 100K+(9.00% max)


1.10% <100K1.10% 100K+

$5,000 NQ $2,000 Q



9 years:9,8,7,6,5,4,3,2,1



value.

Nursing Home

Terminal Illness




6.50% 0-754.85% 76-80





(S&P 500)

1.85% <100K1.85% 100K+(1.25% min)


1.25% <100K1.25% 100K+(1.00% min.)

Monthly Average (S&P 500)

6.25% <100K6.25% 100K+(9.00% max)

45 days from the date the application is

received in the home office

North American Ten

Income Pay Rider not available on this product.

6% on all premiums for 5 years


100% of premiums at 1% compounded

annually

$2,000 Q$10,000 NQ

Ongoing premiums accepted in any amount

10% of the full accumulation value each year after first

contract year.

*Only allowed to make one withdrawal per year.

10-Years: 18,16,14,12,11

10,8,6,4,2


Full Account value at the death of the owner or annuitant. If there are

joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the

death benefit will be paid out at the first death.

Nursing Hometo age 75 at issue

__

After the first anniversary - 90 day confinement - Increase to 20% penalty-free withdrawals

Annuitization after first contract year without penalty if annuitized

with a life contingency.

Annuitization after the 5th contract year without penalty if

annuitized for at least 5 years.

Partial Annuitization is not allowed.

5.50% to age 75on first year premiums

4.13% ages 76-79

1% on premiums applied in years 2&3

(1% addl comm reduction in VA.)

Chargeback in first year for death,

surrenders, partial withdrawals, RMDs

or cancellations.

100%months 1-6

50%months 7-12



Annual Pt-to-Pt(Dow Jones)

Monthly Average(S&P Mid Cap 400)

Annual Pt-to-Pt(S&P Mid Cap 400)

Monthly Average(Russell 2000)

Annual Pt-to-Pt(Russell 2000)

Annual Pt-to-Pt(NASDAQ-100)

Annual Pt-to-Pt(DJ Euro STOXX 50)


1.30% S&P1.15% NASDAQ

(1.00% min)



North American Charter 10

4.00%on all premiums for 7 years

Daily Average(S&P 500)


compounded annually

$2,000 Q$10,000 NQ



contract year.


10-Years: 15,14,13,12,11,10,8,6,4,2


Full account value at the death of the owner or annuitant. If there are




__


1% Premium Bonus if Annuitized after 10th contract year. Annuitization after first contract year without penalty if annuitized





6.50% to age 75on first year premiums;

4.88% ages 76-79





or cancellations.

100%months 1-6

50%months 7-12


Daily Average(Dow Jones)


Daily Average(S&P Mid Cap 400)


Daily Average(Russell 2000)




Monthly Pt-to-Pt (S&P 500)

1.40% S&P1.30% NASDAQ

(1.00% min)

Minimum guaranteed cap rate for the annual point-to-point or the daily or monthly averaging crediting method is 2%. Minimum guaranteed cap rate for the monthly point-to-point is 1.00%.The minimum participation rate for the daily or monthly avg. is 10% and the annual point-to-point is 15%. The guaranteed minimum for the fixed account is 1%. In MN, UT and VA the Charter commissions will be reduced by 1%. Commissions are not paid on new premium added to a spousal continuance case.**Nursing Care Rider - increases the penalty-free withdrawal percentage to 20% of the total accumulation value while the annuitant is confined. Available to age 75 or younger at time of issue.




8%on all premiums for

7 years



compounded annually

$2,000 Q$10,000 NQ



contract year.


14-Years: 18,18,17,15,15,15,15,14,12,10,8,6,4,2






__


2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized






2.50% on premiums applied in years 2-5

0.50 on premiums in applied years 6-10




or cancellations.

100%months 1-6

50%months 7-12




EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100% 3.40% None

Yes 0-75 $3MM

100% 2.90% None

100% 2.90% None

100% 2.75% None

100% 3.00% None

100% 2.65% None

100% 2.75% None

100% 3.35% None

100% None


1.55% Fixed Account No Cap None Call our office.


35% No Cap None

Yes 0-79 $3MM

45% 2.75% None

40% No Cap None

40% 2.75% None

25% No Cap None

35% 2.75% None

25% No Cap None

25% 2.75% None

30% 2.75% None

90% 2.75% None

None None




45% No Cap None

Yes 0-75 $3MM

50% 3.50% None

45% No Cap None

45% 3.50% None

35% No Cap None

35% 3.50% None

30% No Cap None

30% 3.50% None

30% 3.50% None

80% 3.50% None



N/A None


35% No Cap None

Yes 0-79 $3MM

20% No Cap None

35% No Cap None

20% No Cap None

25% No Cap None

15% No Cap None





7 years


compounded annually

$2,000 Q$10,000 NQ



contract year.


14-Years: 18,18,17,15,15,15,15,14,12,10,8,6,4,2






__


2% Premium Bonus if Annuitized after 14th contract year! Annuitization after first contract year without penalty if annuitized







0.50 on premiums in applied years 6-10




or cancellations.

100%months 1-6

50%months 7-12










1.70% S&P1.65% NASDAQ

(1.00% min)



North American Precision 10

Index Cap is applied AFTER the participation

rate.


7 years



compounded annually

$2,000 Q$10,000 NQ



contract year.


10-Years: 15,14,13,12,11,10,8,6,4,2






__


1% Premium Bonus if Annuitized at End of

Term! Annuitization after first contract year without penalty if annuitized






4.88% ages 76-79


(1% addl comm reduction

in VA.)



or cancellations.

100%months 1-6

50%months 7-12











1.40% S&P1.30% NASDAQ

(1.00% min)



North American Precision 14

Cap is applied AFTER the participation rate.


7 years



compounded annually

$2,000 Q$10,000 NQ



contract year.


14-Years: 18,18,17,15,15,15,15,

4,12,10,8,6,4,2


surrenders.





__


2% Premium Bonus if Annuitized at End of

Term! Annuitization after first contract year without penalty if annuitized






2.50% on premiums applied in years 2&3

.50% on premiums in applied years 4-7




or cancellations.

100%months 1-6

50%months 7-12











1.70% S&P1.65% NASDAQ

(1.00% min)



North American Prizm Plus 10


7 years



compounded annually

(Subject to change prior to policy issue)

$2,000 Q$10,000 NQ



contract year.


10-Years: 14,13,12,11,10,9,8,6,4,3


surrenders.





__

After the first anniversary - 90 day confinement - 100% of the contract's Accumulation Value can be withdrawn penalty-free.

1% Premium Bonus if Annuitized after the

tenth contract year! Annuitization after

first contract year without penalty if

annuitized with a life contingency.





4.88% ages 76-79





or cancellations.

100%months 1-6

50%months 7-12








EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



25% No Cap None

Yes 0-79 $3MM

15% No Cap None

15% No Cap None

15% No Cap None

None None



40% No Cap None

Yes 0-75 $3MM

25% No Cap None

45% No Cap None

25% No Cap None

30% No Cap None

20% No Cap None

30% No Cap None

15% No Cap None

20% No Cap None

20% No Cap None

None None


North American 8/1/2013 FPDA None

5% Penalty Free Option - High Band $250,000+

Yes 0-85 $3MM

100% 4.00% None

100% 3.90% None

100% 3.75% None

100% 3.65% None

100% 3.70% None

100% 4.55% None

100% None



5% Penalty Free Option - Low Band <$250,000

Yes 0-85 $3MM

100% 3.15% None

100% 3.05% None

100% 3.00% None

100% 2.85% None

100% 3.00% None

100% 3.55% None

100% None




Yes 0-85 $3MM

100% 3.35% None

100% 3.25% None

100% 3.10% None

100% 3.00% None

100% 3.10% None

100% 3.80% None





7 years


compounded annually


$2,000 Q$10,000 NQ



contract year.


10-Years: 14,13,12,11,10,9,8,6,4,3


surrenders.





__


1% Premium Bonus if Annuitized after the

tenth contract year! Annuitization after

first contract year without penalty if

annuitized with a life contingency.





4.88% ages 76-79





or cancellations.

100%months 1-6

50%months 7-12






1.40% S&P1.30% NASDAQ

(1.00% min)





7 years



compounded annually


$2,000 Q$10,000 NQ



contract year.


14-Years: 18,18,17,15,15,15,15,14,

12,10,8,6,4,2


surrenders.





__


2% Premium Bonus if Annuitized after the fourteenth contract

year! Annuitization after first contract year without penalty if annuitized







.50% on premiums in applied years 6-10




or cancellations.

100%months 1-6

50%months 7-12











1.70% S&P1.65% NASDAQ

(1.00% min)



North American Freedom Choice 8

*5% penalty free option High band


compounded annually

$2,000 Q$10,000 NQ



contract year.

8-Years: 9,9,8,7,6,5,4,2


surrenders.





__








4.13% ages 76-802.75% ages 81-85

3.00% on premiums applied in years 2&3.50% on premiums in

years 4-7



or cancellations.

100%months 1-6

50%months 7-12








2.10% S&P2.05% NASDAQ

(1.00% min)




*10% Penalty Free Option High band.


compounded annually

$2,000 Q$10,000 NQ



contract year.

8-Years: 9,9,8,7,6,5,4,2


surrenders.





__








4.13% ages 76-802.75% ages 81-85


years 4-7



or cancellations.

100%months 1-6

50%months 7-12








1.75% S&P1.70% NASDAQ

(1.00% min)




5% Penalty Free Optionlow band


compounded annually

$2,000 Q$10,000 NQ



contract year.

8-Years: 9,9,8,7,6,5,4,2


surrenders.





__








4.13% ages 76-802.75% ages 81-85


years 4-7



or cancellations.

100%months 1-6

50%months 7-12









EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100% None

Yes 0-85 $3MM




Yes 0-85 $3MM

100% 2.50% None

100% 2.35% None

100% 2.25% None

100% 2.15% None

100% 2.25% None

100% 2.75% None

100% None




Yes 0-79 $3MM

100% 4.60% None

100% 4.55% None

100% 4.40% None

100% 4.25% None

100% 4.35% None

100% 5.40% None

100% None




Yes 0-79 $3MM

100% 3.85% None

100% 3.75% None

100% 3.65% None

100% 3.50% None

100% 3.60% None

100% 4.40% None

100% None


North American 8/1/2013 None


Yes 0-79 $3MM

100% 4.00% None

100% 3.90% None

100% 3.75% None

100% 3.65% None

100% 3.70% None

100% 4.55% None

100% None


North American 8/1/2013 None


Yes 0-79 $3MM

100% 3.10% None

100% 3.00% None

100% 2.90% None

100% 2.80% None




5% Penalty Free Optionlow band


compounded annually

$2,000 Q$10,000 NQ



contract year.

8-Years: 9,9,8,7,6,5,4,2


surrenders.





__








4.13% ages 76-802.75% ages 81-85


years 4-7



or cancellations.

100%months 1-6

50%months 7-12


1.85% S&P1.80% NASDAQ

(1.00% min)




10%Penalty Free OptionLow Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

8-Years: 9,9,8,7,6,5,4,2


surrenders.





__








4.13% ages 76-802.75% ages 81-85


years 4-7



or cancellations.

100%months 1-6

50%months 7-12








1.45% S&P1.35% NASDAQ

(1.00% min)




*5% Penalty Free OptionHigh Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1


surrenders.





__








4.13% ages 76-79


years 4-7



or cancellations.

100%months 1-6

50%months 7-12








2.35% S&P2.30% NASDAQ

(1.00% min)




*10% Penalty free optionHigh Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1


surrenders.





__








4.13% ages 76-79


years 4-7



or cancellations.

100%months 1-6

50%months 7-12








2.05% S&P2.00% NASDAQ

(1.00% min)




5% Penalty Free OptionLow Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1


surrenders.





__








4.13% ages 76-79


years 4-7



or cancellations.

100%months 1-6

50%months 7-12








2.10% S&P2.05% NASDAQ

(1.00% min)




10% Penalty Free Option

low Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1


surrenders.





__








4.13% ages 76-79


years 4-7



or cancellations.

100%months 1-6

50%months 7-12







EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission

Commission Chargeback RulesNorth American 8/1/2013 None

100% 2.90% None

Yes 0-79 $3MM

100% 3.50% None

100% None




Yes 0-75 $3MM

100% 6.45% None

100% 6.50% None

100% 6.20% None

100% 5.90% None

100% 6.00% None

100% 7.75% None

100% None




Yes 0-75 $3MM

100% 5.55% None

100% 5.50% None

100% 5.30% None

100% 5.10% None

100% 5.20% None

100% 6.65% None

100% None




Yes 0-75 $3MM

100% 5.50% None

100% 5.45% None

100% 5.25% None

100% 5.05% None

100% 5.15% None

100% 6.60% None

100% None




Yes 0-75 $3MM

100% 4.55% None

100% 4.50% None

100% 4.35% None

100% 4.20% None

100% 4.30% None

100% 5.35% None

100% None


High Band $250,000+


70% No Cap None

No $50,000 $3MM

35% No Cap% None





low Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

10-Years: 9,9,8,7,6,5,4,3,2,1


surrenders.





__








4.13% ages 76-79


years 4-7



or cancellations.

100%months 1-6

50%months 7-12




1.75% S&P1.70% NASDAQ

(1.00% min)



North American Freedom Choice

14

*5% Penalty Free Option

High Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

14-Years: 9,9,9,9,8,8,7,7,6,6,5,4,3,2


surrenders.





__









1.50% on premiums applied in years

6-10


11-15



or cancellations.

100%months 1-6

50%months 7-12








3.00% S&P2.80% NASDAQ

(1.00% min)




*10% Penalty Free OptionHigh Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

14-Years: 9,9,9,9,8,8,

7,7,6,6,5,4,3,2


surrenders.





__










6-10


11-15



or cancellations.

100%months 1-6

50%months 7-12








2.70% S&P2.55% NASDAQ

(1.00% min)





Low Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

14-Years: 9,9,9,9,8,8,

7,7,6,6,5,4,3,2


surrenders.





__










6-10


11-15



or cancellations.

100%months 1-6

50%months 7-12








2.65% S&P2.55% NASDAQ

(1.00% min)





Low Band


compounded annually

$2,000 Q$10,000 NQ



contract year.

14-Years: 9,9,9,9,8,8,

7,7,6,6,5,4,3,2


surrenders.





__










6-10


11-15



or cancellations.

100%months 1-6

50%months 7-12








2.35% S&P2.30% NASDAQ

(1.00% min)



North American Income Choice 10

Not Available in SC

5% GLWB Bonus based on premium received in the

first five years

3 Yr. Monthly Average (S&P 500)


compounded annually

40-79(May Vary By State)


contract year.

10-Years: 10,10,10,10,10,9,8,6,4,2

Full accumulation value at the death of the owner or annuitant. If there are joint annuitants, the death benefit will be paid at the second death. If there are joint owners, the


*GLWB Bonus not applicable to the

accumulation value so it is not included in the death benefit. GLWB

Value is not available as a death benefit.


__






GLWB feature of annuity will terminate

upon electing an annuity payout option.

6.00% to age 75 4.50% ages 76-79

Renewal: 0.50% years 2-3



or cancellations.

100%months 1-6

50%months 7-12




EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



100% 2.65% None

No $50,000 $3MM

100% 1.55% None

100% 2.40% None

40% No Cap None

100% 2.45% None

25% No Cap None

100% 2.35% None

100% 2.35% None

100% 1.40% None

100% 2.60% None


Low Band <$250,000


60% No Cap None

No $50,000 $3MM

30% No Cap% None

100% 2.20% None

100% 1.30% None

100% 2.05% None

30% No Cap None

100% 2.00% None

25% No Cap None

100% 2.00% None

100% 2.00% None

100% 1.10% None

100% 2.10% None


High Band $250,000+


90% No Cap None

No 40-75 $50,000 $3MM

45% No Cap None

100% 3.40% None

100% 1.85% None

100% 3.05% None

50% No Cap None

100% 3.25% None

35% No Cap None

100% 3.10% None

100% 3.10% None

100% 1.80% None

100% 3.50% None


Low Band < $250,000 .




Not Available in SC


first five years


compounded annually



contract year.

10-Years: 10,10,10,10,10,9,8,6,4,2







__








6.00% to age 75 4.50% ages 76-79




or cancellations.

100%months 1-6

50%months 7-12



Inverse Performance Trigger

(S&P 500)

Monthly Average(DJIA)

Annual Pt-to-Pt(DJIA)

Monthly Average(S&P Midcap 400)

Annual Pt-to-Pt(S&P Midcap 400)

Annual Pt-to-Pt(Nasdaq 100)

Monthly Pt-to-Pt(Nasdaq 100)

Annual Pt-to-Pt(Afternoon London Gold

Market Index Pricing)




Not Available in SC


first five years



compounded annually



contract year.

10-Years: 10,10,10,10,10,9,8,6,4,2







__








6.00% to age 75 4.50% ages 76-79




or cancellations.

100%months 1-6

50%months 7-12





(S&P 500)









Guaranteed LifetimeGuaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.




Not Available in SC


first five years



compounded annually


contract year.

14-Years: 10,10,10,10,10,9,8,7,6,5,

4,3,2,1







__








7.00% to age 75

Renewal: 2.50% years 2-50.50% years 6-10



or cancellations.

100%months 1-6

50%months 7-12





(S&P 500)











EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission



80% No Cap None

No 40-75 $50,000 $3MM

40% No Cap None

100% 3.00% None

100% 1.65% None

100% 2.65% None

40% No Cap None

100% 2.80% None

30% No Cap None

100% 2.65% None

100% 2.65% None

100% 1.60% None

100% 3.00% None



100% 3.05% None

Yes 0-75 $3MM

100% 1.70% None

100% 2.75% None

100% 3.00% None

100% 2.85% None

100% 2.75% None

100% 2.85% None

100% 1.65% None

100% 3.45% None

100% 3.15% None



100% 5.80% None

Yes 0-75 $3MM

100% 2.50% None

100% 5.30% None

100% 6.20% None

100% 5.35% None

100% 5.05% None

100% 5.10% None

100% 2.30% None

100% 5.80% None

100% 6.00% None



100% 2.70% None

Yes 0-85 $3MM

100% 1.55% None

100% 2.45% None

100% 2.60% None

100% 2.45% None

100% 2.35% None




Not Available in SC


first five years



compounded annually


contract year.

14-Years: 10,10,10,10,10,9,8,7,6,5,

4,3,2,1







__








7.00% to age 75




or cancellations.

100%months 1-6

50%months 7-12





(S&P 500)









Guaranteed Lifetime Withdrawal Benefit: GLWB is used as the basis for calculating Lifetime Payment Amounts. A 5% GLWB Bonus applied to all premiums in the first five contract years. A GLWB Stacking Roll-Up Credit may be added to the GLWB Value during the first 20 contract years and it compounds annually. On each contract anniversary, the current GLWB Value may be increased by 5% of the GLWB Value plus the dollar amount of any interest credited to the Accumulation Value. * Roll-Up credit only applies if no withdrawals are taken in the contract year.



North American Performance Choice 12

Plus


5 years



compounded annually


$2,000 Q$10,000 NQ



contract year.


12-Years: 10,10,10,10,10,9,8,7,6,5,

4,2

Premium Bonus Recapture:

100,95,90,85,80,70,60,50,40,30,20,10


surrenders.





__








.50% on premiums applied in years 2&3



or cancellations.

100%months 1-6

50%months 7-12

Monthly Pt to Pt(S&P 500)

Inverse Performance Trigger** (S&P 500)





Monthly Pt to Pt(NASDAQ-100)


Annual Pt-to-Pt(Hang Seng)






compounded annually


$2,000 Q$10,000 NQ



contract year.


12-Years: 10,10,10,10,10,9,8,7,6,5,

4,2


surrenders.





__











or cancellations.

100%months 1-6

50%months 7-12

Monthly PT to PT(S&P 500)






Monthly Pt to Pt(NASDAQ-100)






Plus


5 years



compounded annually


$2,000 Q$10,000 NQ



contract year.


8-Years: 10,10,10,10,9,8,5,3


100,90,80,70,60,50,40,20


surrenders.





__







5.00% to age 753.75% ages 76-792.50% ages 80-85

on first year premiums


(SC Commission reduced by 1.00)



or cancellations.

100%months 1-6

50%months 7-12








EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission

Commission Chargeback RulesNorth American 8/1/2013 FPDA

100% 2.45% None

Yes 0-85 $3MM

100% 1.50% None

100% 3.00% None

100% 2.70% None



100% 4.40% None

Yes 0-85 $3MM

100% 2.00% None

100% 4.20% None

100% 4.45% None

100% 4.05% None

100% 3.85% None

100% 4.00% None

100% 1.80% None

100% 4.30% None

100% 4.30% None



35% No Cap None

No 0-79 $20,000 $3MM

100% 2.55% None

100% 5.30% None

100% 1.50% None

100% 2.35% None

40% No Cap None

100% 2.45% None

25% No Cap None

100% 2.30% None

100% 2.35% None

100% 1.40% None

100% 2.60% None



40% No Cap None

No 0-75 $20,000 $3MM

100% 3.10% None

100% 6.60% None

100% 1.75% None

100% 2.80% None

45% No Cap None

100% 3.00% None

30% No Cap None

100% 2.85% None

100% 2.85% None

100% 1.70% None

100% 3.25%





Plus


5 years


compounded annually


$2,000 Q$10,000 NQ



contract year.


8-Years: 10,10,10,10,9,8,5,3


100,90,80,70,60,50,40,20


surrenders.





__







5.00% to age 753.75% ages 76-792.50% ages 80-85






or cancellations.

100%months 1-6

50%months 7-12


Monthly Pt to PT(NASDAQ-100)








compounded annually


$2,000 Q$10,000 NQ



contract year.


8-Years: 10,10,10,10,9,8,5,3


surrenders.





__







5.00% to age 753.75% ages 76-792.50% ages 80-85


.50% on premiums applied in years 2&3




or cancellations.

100%months 1-6

50%months 7-12

Monthly Pt-to Pt(S&P 500)






Monthly PP(NASDAQ-100)





North American Retire Choice 10

Not Available in SC

6% on all premiums in the first

5 contract years(Credited to the

accumulation value)



compounded annually


contract year.

10-Years: 10,10,9,9,8,8,7,6,4,2





__







6.50% to age 75 4.875% ages 76-79




or cancellations.

100%months 1-6

50%months 7-12


Biannual Pt-to-Pt(S&P 500)



(S&P 500)











North American Retire Choice 14

Not Available in SC

11% on all premiums in the first

5 contract years(Credited to the

accumulation value)



compounded annually


contract year.

14-Years: 10,10,10,10,10,9,8,7,6,5,

4,3,2,1





__







7.5% to age 75




or cancellations.

100%months 1-6

50%months 7-12


Biannual Pt-to-Pt(S&P 500)



(S&P 500)











EffectiveDate

SPDAor

FPDA

CashBonus

RatesCurrent/

Guaranteed

Fees/Margins


IssueAges

MinimumPremium

Maximum Premium

LiquidityOptions

SurrenderCharges

DeathBenefit


MGACommission


8/1/2013 SPDA

100% None

Yes $1MM

100%

100% Gold Strategy None


8/1/2013 SPDA

100% None

Yes $1MM

100% Rising Interest Strategy

100% Gold Strategy None


Reliance Standard 6/25/2013 Keystone 5 SPDA none

100% None

No 0-85 Full account value100% None



100% None




100% None



Reliance Standard Notes: Contract Owner must also be the annuitant for all annuity applications except in situations where the Contract Owner is a Trust, Corporation or other Non-Natural entity. In addition, Joint Owners must also be designated as Joint Annuitants.

Sagicor Life 5/1/2013 SPDA 5%


No $2,000

100% None

No Cap None

PHL Variable Insurance Company


received by the home office

NEW CommandMark

Not Available in SC See quick ref sheet for details, including index

methods & options

No Bonus Products:*10% compound annual

roll-up*6-year roll-up period.

Bonus Products:6.50%compound annual

roll-up10-year roll-up period**Note an income rider

must be elected with 5-yr

10-year productCommand Mark 0%

CommandMark Plus 7%

5-year productCommandMark IR 5%

Pt-to-Pt with cap(S&P 500)

Cmark: 3.00% CMarkPlus:2.50%Cmark IR: 2.75%

min(1.00%)

87.5% @ 1.00%90% in NC

see ref sheets for full details

0-79 in NC

0-69, Inherited IRAs and Inherited

Roth IRAs

0-85 many other states

see ref. sheets

$3,000 Q$15,000 NQ


RMD available in the first year.

Checkbook access**

Command Mark10-years

12,12,12,11,10,98,7,6,5

Command Mark Plus10-years

15,15,14,13,12,0,9,8,7,6

Command Mark IR:5yrs.

12.50,11.50,10.50, 9.50,8.00,


Additional Charge Heritage Rider-enhanced death benefit equals the

greater of1.Contractual death

benefit orAnnuity value plus 50% of

difference between income base & annuity

value. Available only with election of income rider to

issue ages 0-75

Confinement Waiver-

Current Annual Rider Costs

Income Rider only 0.95%Income Rider & Heritage Rider 1.15%

Can annuitize for full account value at any time including the first

contract year.

See quick Ref. sheet for Income Command Rider 2.0 Enhanced &

Income Command Rider 2.0 (both provide

guarantee income without Annuitization)

see details

Command Mark9.00% 0-756.75% 76-804.50% 81-85

CommandMarkPlus Lt SC7% 0-75

5.25% 76-803.50% 81-85

100% Chargeback in first 12 months for full surrenders.

Death is charged back based on a

declining schedule for the first 12

months

Rising Interest Strategy100% par


(1.00% min)

MultiplierCmark:3.50

CMarkPlus: 3.00Cmark IR:3.25

min (1)


(1.00% min.)


(0% min)

PHL Variable Insurance Company



CommandMark LTCommandMark Plus LT,CommandMark IR LT:

available in SC

*** products are subject to change pls. call for details.

10-year productCommand Mark LT 0%

CommandMark Plus LT 5%

5-year productCommandMark IR LT 4%

Pt-to-Pt with Cap(S&P 500)

2.75% LT(1.00% min)

Plus LT:2.25%IR LT: 2.50%

87.5% @ 1.00%90% in NC

see ref sheets for full details

0-85

0-79 in NC

0-69, Inherited IRAs and Inherited

Roth IRAs

$3,000 Q$15,000 NQ


RMD available in the first year.

Checkbook access**

CommandMark LT & Plus LT

9.00,8.25,7.25,6.505.50,4.50,3.75,2.75,1.75,.75,

IR LT: 9.00,8.25,7.25,6.50,5.50,

0%


Confinement Waiver-Checkbook access**-

Optional Income Command Rider with 10% compound roll-up. (Annual cost - 0.95%)

Can annuitize for full account value at any time including the first

contract year.

See quick Ref. sheet for Income Command Rider 2.0 Enhanced &

Income Command Rider 2.0 (both provide

guarantee income without Annuitization)

see details

CommandMark LT 8.50% 0-75

6.38% 76-804.25% 81-85

CommandMark IR LT: 4.50% 0-753.38% 76-802.25% 81-85

CommandMark Plus LT:7.00% 0-755.25% 76-803.50% 81-85

100% Chargeback in first 12 months for full surrenders.

Death is charged back based on a

declining schedule for the first 12

months

2.40%LT(1.00% min)

plus LT 2.00%IR LT: 2.30%

Multiplier3.25LT

plus LT 2.70IR LT: 3.00

2.00% LT(1.00% min.)

Plus LT: 1.50%IR LT: 1.75%

1.50%LT(0% min)LT: 1.20%

IR LT: 1.30%

*In NC, the minimum guaranteed surrender value equals 90% of the premium payment received, minus withdrawals and any rider charges as they occur, all accumulated at the minimum guaranteed interest rate for the life of the contract. **Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. Available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged.

**Checkbook Access - Draft must be a minimum of $500 and made payable to the Owner's bank. Drafts are limited to four per year. available only to individual U.S. residents and to traditional IRA and nonqualified contracts. ***If contract is surrendered during surrender charge period, any surrender charges that were not assessed in the previous 12 months under the contract's penalty-free withdrawals provision will be charged.



4.30%(2.00% min)


@ 1.00%

$10,000

(minimum of $5,000 per strategy)

500Kwithout large

case questionnaire

10% of premium in the first year, 10% of

annuity value each year after first year. Lump

sum.

Monthly withdrawals up to 10% available from

the fixed account.

5 years9, 8, 7, 6,5

Nursing Home Provides for free withdrawals up to 25% of contract value. Available to age 75 at

issue.

Terminal Illness

Can annuitize for full account value after five

years.

If policy is still in surrender charge

period, annuitize for at least 6 years to avoid

annuitizing at surrender value.

4.00% to 802.40% 81-85

100% first6 months

50% months7-12


3.80%(2.00% min)

2.10%(1.00% min)



4.55%(2.00% min)


@ 1.00%

$10,000


500Kwithout large

case questionnaire



sum.


the fixed account.

7 years9, 8, 7, 6,5,4,3


issue.

Terminal Illness


years.




5.00% to 803.00% 81-85

100% first6 months

50% months7-12


4.05%(2.00% min)

2.15%(1.00% min)



4.80%(2.00% min)


@ 1.00%

$10,000


500Kwithout large

case questionnaire



sum.


the fixed account.

10 years9, 9, 8, 7, 6,5,4,3,2,1


issue.

Terminal Illness


years.




6.00% to 804.00% 81-85

100% first6 months

50% months7-12


4.30%(2.00% min)

2.20%(1.00% min)



Platinum Series Sage Advantage

1.50%(1.00% min)

100% @ 2% through year 13,

and 3% from years 14+

15 days-85 years

greater than 500K requires home office

approval

(1) (2) (3)10% each year after the first year, cumulative to

50%.

9 years:8,8,8,8,7,6,5,3,1


Confinement Waiver

Nursing HomeWaiver

You can annuitize at accumulation value at the end of the first year with a minimum payout

option of 10 years.(Payouts less than 10

years would be at surrender value)

Temporary Commission Cut of .50%

New Commissions:4.50% 0-752.00% 76-85

100% months 1-6 for accidental deaths

&50% months

7-12


4.00%(4.00% min)

20%(20% minimum)

Annual Pt-toPtGlobal Advantage Strategy

Utilizes the best of the Russell 2000,

EUROSTOXX 50, & Hang Seng Indices (4)

SAGICOR NOTES:

(1) For added convenience, a checkbook style form is available with the issuance of this contract.

(2) Beginning the second year and each year thereafter, the Owner may withdraw up to 10% of the Account Value without Surrender Charges. RMDs that exceed the 10% are also penalty-free. Any portion of the free partial withdrawal not used in any given year will be carried over to the next year. Carry over amounts will continue to accumulate until the Free Partial Withdrawal reaches a maximum of 50% where it will remain until a withdrawal is taken. In any year the partial withdrawal reaches 50%, the maximum of additional accumulation in the next year will be the lesser of the percentage of withdrawal taken and 10%.

(3) The Contract provides a guaranteed withdrawal benefit provision beginning in the 13th contract year. This means the Owner may withdraw 10% of the initial deposit from the beginning-of-the-year account value starting in the 11th year for up to 20 years, (providing no withdrawals have been taken) regardless of actual interest credited to the Contract. The withdrawal benefit is also cumulative. See contract for details.

(4) This is a 1-year point-to-point indexed strategy that utilized a "basket" of indices, as indicated above. Interest is credited at the end of each year. The Indexed Interest Rate is calculated using 60% of the return of the best-performing index, plus 40% of the return of the second best-performing index, and is submit to a participation rate and cap, as stated above. The worse-performing index is not used when determining the Indexed Interest Rate. This strategy provides an opportunity to benefit from globally diversified indices that do not necessarily move in the same direction at the same time.

"The Annuitist"(877) 888-0858 Toll Free(704) 227-0786 Directwww.Adams-Moore.com or www.TheAnnuitist.com

Multi-Year Guaranteed Annuity Rates(CD-Style Annuities)

Last updated 04/17/2023 For Agent Use OnlyNot all products available in all states. Not responsible for errors.

www.Adams-Moore.com for contracting, forms or brochures!

Company Name Product Name/Premium Banding First Year RateA.M.Best

GteePeriod

Minimum PremiumFor This Rate

RateEffective Date

Guaranteed RateYears 2+ unless indicated

otherwise

AverageYield

MGA Commission &Maximum Issue Ages

NSS Life N/R 1 year $2,000 01/02/13 1.00% 1.00% 1.00% 0.50% unlimited issue ages

Guggenheim B++ 3 years Preserve Multi-Year Guaranteed Annuity $250,000+ 08/01/13 2.10% 2.10% years 2-3 2.10% 1.00% to 80, 0.75% 81-85, .50% 86-90

NSS Life N/R 3 years $2,000 01/02/13 2.00% 2.00% years 2-3 2.00% 1% unlimited issue ages

Guggenheim B++ 3 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.00% 2.00% years 2-3 2.00% 1.00% to 80, 0.75% 81-85, .50% 86-90

Equitrust Life B++ 3 years Certainty Select $10,000 07/17/13 2.00% 2.00% years 2-3 2.00% 2.00% 0-80, 1.50% 81-90

North American A+ 3 years Guarantee Choice 3 $200,000 08/01/13 1.40% 1.40% years 1-3 1.40% 1.50 % to 80, 1.125% 81-85, .75% 86-90

F&G Life B++ 3 years FG Guarantee-Platinum 3 $5,000 NQ, $2,000 Q 07/01/13 1.20% 1.20% years 2-3 1.20% 1.50% to 79, 0.75% 80-90

North American A+ 3 years Guarantee Choice 3 08/01/13 1.15% 1.15% years 1-3 1.15% 1.50% to 80, 1.125% 81-85, .75% 86-90

Principal A+ 3 years Select Series Annuity $5,000 08/15/13 0.90% 0.90% years 1-3 0.90% *Updated Commissions Coming Soon

Guggenheim B++ 4 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 2.35% 2.35% years 2-4 2.35% 1.75% to 80, 1.31% 81-85, .88% 86-90

Guggenheim B++ 4 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.25% 2.25% years 2-4 2.25% 1.75% to 80, 1.31% 81-85, .88% 86-90

Principal A+ 4 years $100,000 08/15/13 2.92% 1.40% years 2-4 1.78% *Updated Commissions Coming Soon

North American A+ 4 years Guarantee Choice 4 $200,000 08/01/13 1.65% 1.65% years 2-4 1.65% 2.00% to 80, 1.50% 81-85, 1.00% 86-90

Principal A+ 4 years $50,000 - $99,000 08/15/13 2.41% 1.40% years 2-4 1.65% *Updated Commissions Coming Soon

Principal A+ 4 years Select Series Annuity $5,000 - $49,999 08/15/13 1.40% 1.40% years 2-4 1.52% *Updated Commissions Coming Soon

North American A+ 4 years Guarantee Choice 4 08/01/13 1.40% 1.40% years 2-4 1.40% 2.00% to 80, 1.50% 81-85, 1.00% 86-90

Integrity Life A+ 4 years MultiVantage 4 $20,000 07/31/13 2.00% 1.00% years 2-4 1.25% 2.00% to 79, .50% 80-86

Principal A+ 4 years Secure Fixed Annuity $100,000 08/15/13 1.40% 1.15% years 2-4 1.21% *Updated Commissions Coming Soon

Preferred Choice($25,000 max premium per client)

30 day window after 1st

contract year

Optimum 3($25,000 max premium per client)

$5,000 Q, $10,000 NQto $249,999

$2,000 Q, $10,000 NQto $199,999

$5,000 Q, $10,000 NQto $249,999

Select Series Annuity(1st year includes a 1.50% premium credit)

Select Series Annuity

$2,000 Q, $10,000 NQto $199,999






GteePeriod


RateEffective Date


otherwise

AverageYield


Principal A+ 4 years Secure Fixed Annuity $5,000 - $99,000 08/15/13 1.15% 1.15% years 2-4 1.15% *Updated Commissions Coming Soon

Sentinel Security B++ 5 years $2,500 05/22/13 2.85% 2.85% years 2-5 2.85% 2.25% to 80, 1.50% 81-90

Athene Annuity B++ 5 years $5,000 07/30/13 2.85% 2.85% years 2-5 2.85% 2.25% to 75, 1.50% 76-80

Guggenheim B++ 5 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 2.80% 2.80% years 2-5 2.80% 2.50% to 80, 1.88% 81-85, 1.25% 86-90

Oxford Life B++ 5 year $25,000 - $350,000 08/01/13 2.75% 2.75% years 2-5 2.75% 3.00% to 75, 2.00% 76-80

Guggenheim B++ 5 years Preserve Multi-Year Guaranteed Annuity 08/01/13 2.70% 2.70% years 2-5 2.70% 2.50% to 80, 1.88% 81-85, 1.25% 86-90


American Equity A- 5 years Guarantee 5 $10,000 08/01/13 2.60% 2.60% years 2-5 2.60% 3.00% to 75, 2.00% 76-80

Genworth A 5 years $250,000 07/31/13 2.55% 1.65% years 2-5 2.60% 3.00% to 75, 1.95% 76-80, 1.05% 81-85

Reliance Standard A 5 years Eleos MVA SPDA $10,000 06/25/13 3.30% 2.30% 2.50% 3.25% to 75, 2.60% 76-80, 1.95% 81-85


Genworth A 5 years $100,000 - $249,999 07/31/13 2.40% 1.65% years 2-5 2.47% 3.00% to 75, 1.95% 76-80, 1.05% 81-85

Oxford Life B++ 5 years $10,000 - $24,999 08/01/13 2.25% 2.25% years 2-5 2.25% 3.00% to 75, 2.00% 76-80


Genworth A 5 years SecureLiving Rate Saver 5 $250,000 07/31/13 2.20% 2.20% years 2-5 2.20% 2.00% to 75, 1.35% 76-80, .70% 81-85

NSS Life N/R 5 years $10,000 01/02/13 3.00% 2.00% years 2-5 2.20% 2.75% to 79, 1.00% 80+

F&G Life B++ 5 years FG Guarantee-Plus 5 $5,000 NQ, $2,000 Q 08/01/13 3.00% 2.00% years 2-5 2.20% 2.50% to 79, 1.25% 80-90

Genworth A 5 years 07/31/13 2.00% 1.65% years 2-5 2.14% 3.00% to 75, 1.95% 76-80, 1.05% 81-85

Personal Choice 5(Ask us about liquidity options.)

MaxRate 5Not available in TN & other states. Lower rate in FL. Enhanced Liquidity feature 2.30%

Income Protectorfeaturing an income rider with a 7.50% roll-up interest rate ($250,000 maximum premium)

$5,000 Q, $10,000 NQto $249,999

SecureLiving Liberty(6-yr surr - 1.85% bail out)

base rate years2-5 (1% min)


Income Protectorfeaturing an income rider with a 7% roll-up interest rate ($250,000 maximum premium)

$2,000 Q, $10,000 NQto $199,999

Preferred 5$100,000 maximum premium per client


$5,000 NQ, $2,000 Q$99,999






GteePeriod


RateEffective Date


otherwise

AverageYield


Genworth A 5 years SecureLiving Rate Saver 5 $100,000 - $249,999 07/31/13 2.10% 2.10% years 2-5 2.10% 2.00% to 75, 1.35% 76-80, .70% 81-85

F&G Life B++ 5 years $5,000 NQ, $2,000 Q 08/01/13 2.10% 2.10% years 2-5 2.10% 2.50% to 79, 1.25% 80-90

F&G Life B++ 5 years $5,000 NQ, $2,000 Q 08/01/13 1.95% 1.95% years 2-5 1.95% 2.50% to 79, 1.25% 80-90

Genworth A 5 years SecureLiving Rate Saver 5 $25,000 - $99,999 07/31/13 1.90% 1.90% years 2-5 1.90% 2.00% to 75, 1.35% 76-80, .70% 81-85

American General A 5 years HorizonSelect 5 $5,000 08/12/13 2.05% 2.05% years 2-5 2.05% 2.20% to 80, 1.70% 81-85

American National A 5 years Palladium MYG 5 $100,000 08/01/13 2.50% 1.50% years 2-5 1.70% 2.50% to 79, 0.05% 80-85

Integrity Life A+ 5 years $3,000 07/31/13 2.50% 1.50% years 2-5 1.70% 4.00% to 79, 2.00% 80-85

American National A 5 years Palladium MYG 5 $5,000 - $99,999 08/01/13 2.40% 1.40% years 2-5 1.60% 2.50% to 79, 0.50% 80-85

Integrity Life A+ 5 years MultiVantage 5 $20,000 07/31/13 2.40% 1.40% years 2-5 1.60% 2.50% to 79, .50% 80-86

Allianz Life A 5 years Dominator Plus $25,000 02/12/12 1.50% 1.50% years 2-5 1.50% 3.00% to 75, 2.00% 76-80, 1.00% 81-85

Lincoln Financial A+ 5 years MYGuarantee Plus 5 $100,000 07/01/13 1.20% 1.20% years 2-5 1.20% 1.90% to 75, 1.20% 76-80, 0.65% 81-85

Lincoln Financial A+ 5 years MYGuarantee Plus 5 $10,000 - $99,999 07/01/13 1.05% 1.05% years 2-5 1.05% 1.90% to 75, 1.20% 76-80, 0.65% 81-85




Principal A+ 6 years $100,000 08/15/13 3.98% 1.95% years 2-6 2.29% *Updated Commissions Coming Soon


Sagicor Life A- 6 years $5,000 05/01/13 2.50% 2.00% 2.08% 3.00% to 80, 1% 81-90

Principal A+ 6 years $50,000 - $99,999 08/15/13 2.91% 1.90% 2.07%

FG Guarantee-Plat 5(All states except NC, CT,OK)

FG Guarantee-Platinum 5(NC, CT, & OK only)

SPDA II Series(5-yr rate; 7-yr surrender period)

$5,000 Q, $10,000 NQto $249,999

Select Series Annuity(1st yr rate include 2.00% prem bonus; 1.55%)

Gold Series Sage Choice(2% minimum guarantee)

minimumyears 2-6

Select Series Annuity(1st yr rate include 1% prem bonus; 1.50% base)

minimumyears 2-6






GteePeriod


RateEffective Date


otherwise

AverageYield



American General A 6 years Horizon Achiever $5,000 08/12/13 2.05% 2.05% years 2-6 2.05% 3.00% 0-80, 2.00% 81-85

American National A 6 years Palladium MYG 6 $100,000 08/01/13 1.90% 1.90% years 2-6 1.90% 2.50% to 79, .50% 80-85


American National A 6 years Palladium MYG 6 $5,000 - $99,999 08/01/13 1.80% 1.80% years 2-6 1.80% 2.50% to 79, .50% 80-85

Principal A+ 6 years Secure Fixed Annuity $100,000 815/13 3.47% 1.45% years 2-6 1.78% *Updated Commissions Coming Soon

Principal A+ 6 years Secure Fixed Annuity $50,000 - $99,999 08/15/13 2.46% 1.45% years 2-6 1.62% *Updated Commissions Coming Soon

Lincoln Financial A+ 6 years MYGuarantee Plus 6 $100,000 07/01/13 1.30% 1.30% years 2-6 1.30% 2.50% to 79, .50% 80-85

Lincoln Financial A+ 6 years MYGuarantee Plus 6 $10,000 - $99,999 07/01/13 1.15% 1.15% years 2-6 1.15% 3.00% to 80, 1.00% 81-90

Guggenheim B++ 7 years Preserve Multi-Year Guaranteed Annuity $250,000 08/01/13 3.30% 3.30% years 2-7 3.30% 2.50% to 80. 1.88% 81-85.1.25%86-90

Athene Annuity B++ 7 years $5,000 07/30/13 3.25% 3.25% years 2-7 3.25% 2.50% to 75, 1.70% 76-80

Sentinel Security B++ 7 years $2,500 05/22/13 3.20% 3.20% years 2-7 3.20% 2.25% to 80, 1.50% 81-90

Guggenheim B++ 7 years Preserve Multi-Year Guaranteed Annuity 07/01/13 3.20% 3.20% years 2-7 3.20% 2.50% to 80. 1.88% 81-85.1.25%86-90

American Equity A- 7 years Guarantee 7 $10,000 08/01/13 3.00% 3.00% years 2-7 3.00% 2.50% to 75, 1.50% 76-80

Genworth A 7 years SecureLiving Rate Saver 7 $250,000 07/31/13 2.85% 2.85% years 2-7 2.85% 2.75% to 75, 2.15% 76-80, 1.50% 81-85

Genworth A 7 years SecureLiving Rate Saver 7 $100,000 - $249,999 07/31/13 2.75% 2.75% years 2-7 2.75% 2.75% to 75, 2.15% 76-80, 1.50% 81-85


F&G Life B++ 7 years FG Guarantee-Plus7 $5,000 NQ, $2,000 Q 08/01/13 3.50% 2.50% years 2-7 2.64% 3.25% to 79, 1.625% 80-90

F&G Life B++ 7 years FG Guarantee Platinum 7 $5,000 NQ, $2,000 Q 08/01/13 2.60% 2.60% years 2-7 2.60% 3.25% to 79, 1.625% 80-90

$2,000 Q, $10,000 NQto $199,999

MaxRate 7Not avail. in TN & other states. FL lower rate. Enhanced Liquidity lover rate 2.75%

Personal Choice(Ask us about liquidity options.)

$5,000 Q, $10,000 NQto $249,999






GteePeriod


RateEffective Date


otherwise

AverageYield


Genworth A 7 years SecureLiving Rate Saver 7 $25,000 - $99,999 07/31/13 2.55% 2.55% years 2-7 2.55% 2.75% to 75, 2.15% 76-80, 1.50% 81-85


North American A+ 7 years Guarantee Choice 7 $200,000 08/01/13 2.50% 2.50% years 2-7 2.50% 2.50% to 80. 1.88% 81-85.1.25%86-90

Integrity Life A+ 7 years MultVantage 7 $20,000 07/31/13 3.25% 2.25% years 2-7 2.39% 3.00% to 79, 1.00% 80-85

North American A+ 7 years Guarantee Choice 7 08/01/13 2.30% 2.30% years 2-7 2.30% 2.50% to 80. 1.88% 81-85.1.25%86-90

American General A 7 years $5,000 08/12/13 2.25% 2.25% years 2-7 2.25% 3.50% 0-80, 2.50% 81-85

Western National A 7 years Western National 7 $100,000 08/19/13 2.15% 2.15% years 2-7 2.15% 3.00% to 85, 1.50% 86-90

Western National A 7 years Western National 7 08/19/13 2.15% 2.15% years 2-7 2.15% 3.00% to 85, 1.50% 86-90

Integrity Life A+ 7 years New Momentum 7 $5,000 NQ, $2,000 Q 07/31/13 2.65% 1.90% years 2-7 2.00% 5.00% to 79, 3.00% 80-85

ING USA A 7 years ING Guarantee Choice 7 $75,000 07/17/13 2.50% 1.50% years 2-7 1.64% 2.50% to 80, call office for trail options


ING USA A 7 years ING Guarantee Choice 7 $15,000 - $74,999 07/17/13 1.50% 1.50% years 2-7 1.50% 2.50% to 80, call office for trail options

Integrity Life A+ 7 years SPDA II Series (not available in SC) $3,000 NQ/Q 07/31/13 2.30% 1.30% years 2-7 1.44% 4.00% to 79, 2.00% 80-85







$2,000 Q, $10,000 NQto $199,999

HorizonSelect 7

$5,000 NQ, $2,000 Qto $99,999

$5,000 Q, $10,000 NQto $249,999






GteePeriod


RateEffective Date


otherwise

AverageYield




NSS Life NA 8 years $10,000 01/02/13 3.50% 2.00% 2.19%








American General A 9 years Horizon Plus $5,000 08/12/13 6.05% 2.05% years 2-6 2.72% 2.75% to 75, 1.70% 76-80, 1.20% 81-85


North American A+ 9 years $10,000 NQ, $2,000 Q 08/01/13 4.50% 1.50% years 2-5 1.83% 5.50% to 80, 4.13% 81-85 (.50% yrs 2-5)

Principal A+ 9 years Select Series Annuity $100,000 08/15/13 1.70% 1.70% years 2-9 1.70% *Updated Commissions Coming Soon






$2,000 Q, $10,000 NQto $199,999

Preferred 8$100,000 max premium per client

minimumyears 2-8

2.75% to 79, 1.00% ages 80+(.25% commission bonus 1/1/13-3/31/13

$5,000 Q, $10,000 NQto $249,999

$2,000 Q, $10,000 NQto $199,999

Director(5 yr rate guarantee / 9-year surrender period)






GteePeriod


RateEffective Date


otherwise

AverageYield



Sentinel Security B++ 10 years Personal Choice $2,500 05/22/13 3.45% 3.45% years 2-10 3.45% 2.75% to 80, 2% 81-90



American General A 10 years HorizonSelect 10 $5,000 08/12/13 2.85% 2.85% years 2-10 2.85% 3.50% 0-80, 2.50% 81-85



American General A 10 years Horizon MYG $5,000 08/12/13 5.10% 2.10% 2.60% 4.00% to 75, 2.20% 76-80, 1.70% 81-85

Integrity Life A+ 10 years MultiVantage 10 $20,000 06/20/13 3.25% 2.25% years 2-10 2.35% 3.50% to 79, 1.50% 80-83

Allianz Life A 10 years Dominator Plus 10 $100,000 02/07/12 2.00% 2.00% years 2-10 2.00% 4.00% to 75, 3.00% 76-80, 2.00% 81-85

Integrity Life A+ 10 years $5,000 NQ, $2,000 Q 06/20/13 2.60% 1.85% years 2-10 1.92% 5.00% to 79, 3.00% 80-85

Allianz Life A 10 years Dominator Plus 10 $25,000 - $99,999 02/07/12 1.90% 1.90% years 2-10 1.90% 4.00% to 75, 3.00% 76-80, 2.00% 81-85


ING USA A 10 years ING Guarantee Choice 10 $75,000 07/17/13 2.50% 1.50% years 2-10 1.60% 3.25% to 80, call office for trail options


ING USA A 10 years ING Guarantee Choice 10 $15,000 - $74,999 07/17/13 1.50% 1.50% years 2-10 1.50% 3.25% to 80, call office for trail options

$5,000 Q, $10,000 NQto $249,999

$2,000 Q, $10,000 NQto $199,999

years 2-61% min yrs 7-10

New Momentum 10(7-year surr period / 10 year MVA)

excel format

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